Commercial Compliance Analyst

Job Description

Job Description

Description :

Please Note : This is an in-office position located in Springfield, Illinois.

About Us :

At INB, a career is more than just a job — it’s a chance to make a meaningful impact in the communities we serve. As a locally owned, community-focused bank, we’re proud to help individuals, families, and businesses achieve their financial goals through personalized service and trusted relationships. Our success is driven by a team that genuinely cares — about our customers, our coworkers, and our community. When you join INB, you’re not just joining a workplace — you’re becoming part of a purpose-driven culture built on our core values : Caring, Creative, Teamwork, Balance, Working Smart, and Assertive & Enthusiastic. Together, we make a positive difference every day — for our customers and for each other.

Job Summary

The Commercial Compliance Analyst serves as the primary point of contact and expert for commercial lending compliance with key government regulations, with a strong emphasis on the Community Reinvestment Act (CRA) and Small Business Administration (SBA) lending requirements. This role also encompasses other regulations such as the Home Mortgage Disclosure Act (HMDA), Fair Lending laws, and related federal and state guidelines. Responsibilities include ensuring data integrity, monitoring compliance, and supporting the bank's regulatory adherence in commercial lending, with a focus on advancing CRA initiatives and SBA loan processes. The position is designed for growth, with the explicit goal of progressing to CRA Officer for the bank, where the individual will lead community development, reinvestment strategies, and broader compliance oversight.

Requirements : Key Responsibilities

• Serve as the bank's subject matter expert on CRA compliance, including conducting detailed assessments of assessment areas, analyzing lending data for community development needs, tracking qualified investments and services, and preparing for CRA examinations; develop and implement strategies to enhance the bank's CRA performance rating.
• Act as the lead expert on SBA lending, reviewing and closing SBA loans to ensure full compliance with SBA Standard Operating Procedures (SOPs), eligibility criteria, underwriting standards, and documentation requirements; guide SBA 7(a), 504, and other programs, troubleshoot issues during loan origination and servicing, and coordinate with SBA representatives as needed.
• Collect, validate, and report HMDA and CRA data from commercial loan files, ensuring accurate identification of reportable transactions, timely submission to regulators, and integration with SBA loan data where applicable.
• Perform in-depth monitoring and testing of commercial loans for compliance risks, with particular attention to Fair Lending disparities, CRA geographic distribution, and SBA-specific rules such as use of proceeds and collateral requirements; design and execute first-line testing protocols to proactively identify and mitigate issues.
• Analyze lending data using statistical tools to detect patterns in approvals, denials, pricing, and potential redlining under CRA and Fair Lending; incorporate SBA loan metrics into analyses to assess small business lending equity and recommend data-driven improvements.
• Prepare comprehensive compliance reports, including detailed CRA performance evaluations, SBA loan exception tracking, and monthly summaries; collaborate with senior management to refine policies, procedures, and training programs based on regulatory changes and findings.
• Stay abreast of evolving CRA and SBA regulations, including updates from the OCC, FDIC, or SBA, and integrate them into bank practices; deliver targeted training to lending staff on CRA community outreach and SBA loan processing.
• Support regulatory audits, examinations, and inquiries, with a focus on CRA and SBA documentation; assist in developing remediation plans and community partnerships to strengthen CRA commitments.
• Foster cross-functional collaboration with Community Development, Compliance, and Lending teams to align commercial activities with CRA goals and SBA lending objectives.
• Perform additional duties as assigned, emphasizing progression toward CRA Officer responsibilities, such as leading public file maintenance, community needs assessments, and strategic planning for CRA-qualified activities.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and / or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Exceptional attention to detail and accuracy, essential for navigating complex CRA data reporting and SBA loan documentation.

Knowledge, Skills, & Abilities : Requires the ability to communicate effectively and clearly (both written and verbal); Ability to read, write, and comprehend simple instructions, short correspondence, and memos.

Salary Range : $45,000.00 - $60,000.00 annually

Group Insurance Benefits and Plans

INB provides health, dental, vision, and life insurance benefits to all full-time employees. Coverage is also extended to their eligible dependents. Active employees make premium contributions based on plan selections. Please click the link below for all benefits that are offered. https : / / www.inb.com / Resources / 9f1b90c4 -905c-4cd7-9dee- afd9937ab37a / INB%20employee%20benefit%20flier%202025.pdf

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions.

ADA Disclaimer : In developing this job description, care was taken to include all competencies needed to successfully perform in this position. However, for Americans with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis.

INB, N.A. is committed to Equal Employment Opportunity with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment. It is INB's policy to afford equal opportunity to all employees and applicants for employment without regard to race, creed, color, sex, sexual orientation, age, marital status, national origin, disability, religion, veteran status, or any other basis prohibited by law. The EEO Law poster is available here :

Know Your Rights : Workplace discrimination is illegal