Lending Advisor, Risk and Compliance

Lending Advisor

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people's success today and tomorrow.

While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment investing the time and resources to understand our clients' immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO). Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News' Dallas-Fort Worth Metroplex Top Workplaces 2023 and GoBankingRate's 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com.

The Compliance Risk Management function is in the Bank's 2LOD (second line of defense) and is responsible for ongoing monitoring and oversight of risks associated with the organization. The second line is independent from the first line to provide objectivity and credible challenge.

This department works directly with all business units to develop a strong and robust risk mitigation environment to aid in the growth processes to ensure adherence to policies. The VP Compliance, Lending Advisor evaluates and ensures that an organization's operations and procedures meet compliance standards. The role reports to the Director, Fair Lending Officer and is part of the Corporate Compliance department.

Responsibilities

As a Lending Advisor, you will play a critical role in ensuring the organization adheres to regulatory requirements and internal policies, focused on lending compliance. Your responsibilities will include :

• General Compliance Advisory specializing in Consumer and Commercial Lending regulations.
• Provide day-to-day compliance guidance to business units and support functions in consumer and commercial divisions.
• Interpret and communicate regulatory requirements and internal policies to stakeholders.
• Assist in the development and implementation of compliance frameworks and controls.
• Regulatory Change Management
• Track and assess the impact of new and evolving regulations.
• Coordinate with legal and business teams to implement necessary changes to policies and procedures.
• Maintain and contribute to the data integrity of the regulatory inventory and associated regulatory applicability.
• Maintain traceability between regulatory requirements and internal controls, policies, and procedures.
• Support audits and regulatory examinations by providing clear documentation and evidence of compliance.
• Identify and manage key corporate compliance obligations across jurisdictions.
• Risk Assessment and evaluation of regulation risk and controls associated with lending operations and credit.
• Identify compliance risks and recommend mitigation strategies.
• Contribute to the development of risk dashboards and reporting tools.

Qualifications

Bachelor's degree (preferred in Finance, Accounting, Business, or Analytics, Computer Science); or equivalent combination of education, training, experience

Minimum 10 years of work experience in financial services (large bank experience a plus) or a related field is required and a minimum 7 years in 2LOD Compliance risk management preferred

Expert ability to analyze risk concentration areas, risk profiles, and risk data to comprehensively assess risk

Deep knowledge of federal and state(Texas) consumer and commercial lending regulations, focused on, but not limited to TILA Reg Z, Fair Credit Reporting Act, RESPA, SCRA / MLA, loan servicing and flood requirements.

Strong technical proficiency in the use of MS Office products for reporting, data analytics, and presentations

Advanced understanding of risks, controls, processes (and workflows) and change management

Advanced analytical, critical thinking and problem-solving skills

Exceptional writing and communication skills.

CRCM preferred

Ability to maintain confidentiality and instill trust within the organization

Ability to self-direct and manage competing priorities on concurrent large, complex projects, initiatives

The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy. Texas Capital is an Equal Opportunity Employer.