Loan Compliance Specialist

RCB Bank has been a responsible employer since 1936, standing firm on moral and ethical principles as a bank and as an inclusive employer while fulfilling our commitment to excellence. Operating with values such as integrity, respect, sincerity and honor, RCB Bank is an equal opportunity employer, striving to hire diverse employees who meet high standards of character, education and occupational qualifications. RCB Bank is dedicated to building Relationships, contributing to our Communities, and embracing our Boldness!
With over 60 locations, RCB Bank offers a variety of excellent career opportunities in Oklahoma and Kansas. We offer full-time and part-time opportunities along with a comprehensive benefit package (eligibility requirements apply).

Internal Deadline: 11/14/2025

Position is not remote, located onsite at branch support.
Oklahoma locations: Claremore, Oklahoma City
Kansas locations: Ark City, or Winfield.

At RCB Bank, we believe that every role within our organization plays a critical part in delivering exceptional service to our customers and communities. The jobs we offer reflect our commitment to building strong, meaningful relationships and maintaining the highest standards of integrity, professionalism, and customer care. We are dedicated to fostering a culture where every team member understands their purpose and impact on our mission to serve the financial needs of our customers while contributing to the economic vitality of the communities we call home.

RCB Bank is committed to creating outstanding experiences for our customers in every single interaction, and we desire to differentiate RCB Bank from the competition through exceptional standards of service. All employees, whether in person, on the phone, through email, or online are expected to conduct themselves with the utmost level of professionalism and customer service while adhering to the RCB Bank Standards of Service: Integrity, Reputation, Professional, Empowered, Welcome, Ownership, Action, Responsive, Relational, and Excel.

POSITION SUMMARY: The Loan Compliance Specialist is responsible for ensuring that consumer real estate loan transactions comply with applicable federal and state regulations, RCB Bank policies, and industry standards. This position plays a key role in preparing and reviewing loan disclosures, monitoring compliance-related documentation, supporting frontline staff with regulatory questions, and managing appraisal coordination.

ESSENTIAL FUNCTIONS:

• Prepares, reviews, and delivers required disclosures for consumer real estate transactions in a timely and accurate manner.
• Reviews and analyzes loan applications to determine Home Mortgage Disclosure Act (HMDA)-reportable status, ensuring the accurate and timely submission of HMDA data and support audit and regulatory exam readiness.
• Monitors and validates flood determinations and ensures appropriate flood insurance coverage is in place as required by regulation, communicating with Loan Officers and customers regarding flood insurance requirements and exceptions.
• Reviews loan files to validate they meet Qualified Mortgage (QM) requirements, including Ability-to-Repay (ATR) criteria, documenting findings and report exceptions to the appropriate staff.
• Reviews denied and withdrawn applications and ensures timely and accurate delivery of Adverse Action notices in compliance with ECOA and FCRA requirements.
• Serves as a resource for frontline lending staff by answering questions related to regulatory requirements, RCB Bank loan policy, and lending procedures, providing training and support as needed to ensure consistent understanding and implementation of compliance practices.
• Assists with projects supporting the overall credit compliance program, including policy updates, audits, and process improvements.
• Coordinates the ordering, tracking, receipt, and delivery of appraisals for all types of real estate transactions, ensuring appraisals are delivered to borrowers within required timeframes and that all regulatory requirements are met.
• The position responsibilities outlined above are in no way to be construed as all encompassing. Other duties, responsibilities, and qualifications may be required and/or assigned as necessary.

EXPERIENCE REQUIRED:

• Minimum two (2) years of experience in lending, quality control, compliance, or risk management preferred
• Consumer real estate and/or regulatory experience preferred
• Experience with Jack Henry, Synergy, and nCino a plus

EDUCATION, CERTIFICATIONS & TRAINING:

• High school diploma or GED required

JOB-SPECIFIC SKILLS & KNOWLEDGE:

• Strong communication skills with the ability to build relationships and collaborate within a team, internally, and externally
• Ability to deliver quality through attention to detail
• Ability to manage multiple tasks/projects and meet deadlines simultaneously in a fast-paced environment
• Ability to interpret regulatory guidelines and apply them to specific loan scenarios
• Organizational, problem-solving, and time management skills
• Working knowledge of applicable computer systems, such as Microsoft Word, Excel and Outlook

RCB Bank is an EOE. We offer EEO to all persons without regard to race, color, religion, age, marital or veterans’ status, sex, national origin, physical or mental disability, or any other legally protected class.