Commercial Compliance & Risk Analyst

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees.  Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

Commercial Compliance & Risk Analyst

ACCOUNTABILITY STATEMENT:

The Commercial Compliance & Risk Analyst plays a critical role within the Commercial Lending team by ensuring full adherence to all applicable regulations, laws, and Credit Union policies related to commercial lending activities. This position is responsible for maintaining a strong compliance framework, supporting leadership with timely insights, and promoting a culture of risk awareness and operational excellence.

Key responsibilities include leading the administration of the department’s compliance program, monitoring regulatory requirements, and ensuring that quality control standards are consistently met. The Commercial Compliance & Risk Analyst will also support and enhance department reporting, ensuring data accuracy, integrity, and actionable analysis for effective management decision-making.

ESSENTIAL JOB FUNCTIONS:

• Support and maintain the Commercial Risk Management Compliance Program, ensuring adherence to all relevant commercial lending regulations and internal policies
• Monitor and interpret regulatory changes (e.g., ECOA/Reg B, FCRA/Reg V, HMDA/Reg C, Section 1071) and communicate impacts to leadership and business partners
• Advise on and support the development, revision, and implementation of policies, procedures, and first‑line compliance processes to strengthen operational efficiency and regulatory compliance
• Coordinate and participate in internal and external audits/exams, and assist with management action plans to address findings
• Conduct compliance reviews of commercial lending products, services, and initiatives to identify risks and recommend mitigation strategies
• Maintain quality control standards for Commercial Loan Operations and ensure consistent execution of required reviews
• Prepare, validate, and enhance departmental reporting, ensuring accuracy, data integrity, and usefulness for decision-making
• Assist leadership with enterprise risk management (ERM) activities, including identifying emerging risks and evaluating controls
• Provide training, guidance, and support to Commercial Lending staff on compliance matters and regulatory expectations
• Lead or support departmental projects, including regulatory-driven initiatives and operational enhancements
• Manage maintenance and periodic updates of departmental procedures, ensuring documentation remains current and compliant.
• Serve as team lead when needed and perform other related duties to support the Commercial Lending function.
• Perform other duties as assigned.
• All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.

Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job:

• Focus - Focus your full attention by carefully listening to and observing client or member.
• Connect - Consistently be friendly and approachable. Demonstrate your care.
• Understand - Listen empathetically and ask questions (70%/30% rule).
• Counsel - Recommend solutions based on your member’s needs and objectives.
• Advance - Ensure that member’s expectations were exceeded.
• Verify necessary follow-up actions.

JOB QUALIFICATIONS

Education

• High school diploma or GED required
• Bachelor’s degree preferred

Experience

• 5+ years of experience in lending within a financial institution preferred
• 5+ or more years of experience in compliance oversight or a related function; or equivalent combination of education and experience
• Experience using statistical/quantitative tools such as SQL, Power BI, or similar systems
• Familiarity with NCUA and CFPB regulations

Knowledge, Skills, and Abilities

• Knowledge of financial services and lending regulations, with the ability to interpret and apply laws impacting credit unions and commercial lending.
• Strong interpersonal and communication skills, with the ability to work effectively across all levels of the organization and model professionalism and strong work ethic.
• Excellent writing and presentation abilities, with the skill to convey complex information clearly.
• Analytical mindset with strong data skills, including experience using tools such as SQL, Power BI, and advanced Excel.
• Ability to manage shifting priorities and deadlines, using sound problem‑solving and decision‑making abilities.
• Demonstrated capacity to work effectively in high‑pressure environments, maintaining accuracy and quality.
• High commitment to performance excellence and producing reliable, high‑quality work.
• Proficiency in Microsoft 365 and Microsoft Teams, with advanced Excel capabilities; experience with nCino is a plus.

DISCLAIMERS AND WORK ENVIRONMENT

• Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.
• The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.

VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.

No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.

Thank you for your inquiry regarding our current job opening.  Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.

Thank you again for your interest in this position!

VyStar Credit Union Human Resources