Reference #: R-66North Fifth Street; 355 North Fifth Street; Indiana, PA 15701

　　Work Days and Expected Hours:Monday - Friday 8:00 am - 5:00 pm(Additional hours as necessary to meet the objectives of the department)Function:  Responsible for ensuring quality control of the operation, audit and compliance risk of the Consumer Lending functions through managing and reporting. Requires knowledge of Consumer lending, applicable banking laws, federal and state regulations, Bank policies, & lending platforms.

　　Duties and Responsibilities:

　　Completes full quality review of consumer loans to measure and improve the accuracy and effectiveness of the process.

　　Assists with documentation of regulatory and procedural differences and communicates this information to the manager responsible for the noted area.

　　Documents any regulatory errors or procedural documentation errors to create reports that are distributed to the responsible manager.

　　Maintains the compliance content of all desk top procedures and instructional manuals for the Department

　　Participates in review of policies and procedures to provide the department with information for continuous quality improvement

　　Maintains ongoing process to ensure remedial efforts have produced satisfactory results to immediately detect recurrences of defects.

　　Upon request, assist in the development and documentation of procedures

　　On a continuous basis, keeps current on daily and ongoing regulatory updates, proposals and process changes that may impact the line of business.

　　Maintains working knowledge of compliance regulations relative to Consumer Lending.

　　Applies knowledge of regulatory guidelines and industry best practices in making recommendations to mitigate risk and support the business line.

　　Proactively reads documentation and completes assigned training to maintain an understanding of and comply with laws, regulations, regulatory policies, bank policies and procedures pertaining to the employee's responsibilities.

　　Participates in ongoing continuing education of process changes and regulatory updates

　　Independently reviews consumer loans prior to closing and makes recommendations regarding changes as necessary to the loan package.

　　Assists in Regulatory monitoring.

　　Assists in determining the cause of any compliance errors, tracks by employee, and communicates to the responsible supervisor.

　　Exercises a high-level of accuracy, initiative, interpersonal skills, and confidentiality while performing tasks in order to contribute to the success of the department.

　　Upon request, assist the VP Consumer Operations with training and education of Consumer Lending personnel, including operations and originations employees, regarding regulatory requirements and updates.

　　Maintains records and conducts correspondence related to the work.

　　Maintains a good working relationship with all S&T employees.Demonstrates the ability to work independently.Works as a team player to contribute to the success of the department and in turn the organization.

　　Performs additional duties as required.

　　Physical DemandsOperates a keypad device 80% of the day.Operates office equipment 20% of the day.The primary parts of the body involved in performing these tasks are the fingers, thumbs, hands, wrists and elbows, lower and upper torso. Sitting is required 6 hours per day while working at the computer and walking 1 hour. Requires the use of manual dexterity skills for typing up to 60% of the business day.Specific vision requirements include close vision of 18"-20" for computer work.Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

　　Education:High School: Academic/General (Required)

　　Experience:Requires two to five years general experience and two to five years of specialized loan documentation and/or consumer lending.

　　Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

　　he contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

　　Salary Range:

　　$16.23 - $28.85

　　EEO/AA Minority/Female/Disability/Veteran