Bank Credit Review & Lending Compliance Auditor

About AuditOne OH LLC (AuditOne)

AuditOne is a leading independent internal audit and risk advisory firm serving community banks, credit unions, and fintech companies across the United States. We combine deep regulatory expertise with a highly specialized team model to deliver examiner-ready audits and insights that strengthen our clients’ organizations.

Our approach goes beyond traditional audit; we partner with clients to strengthen governance, elevate risk management, and support long-term growth. As we continue to invest in our people, processes, and technology, AuditOne is building the next generation of internal audit – more insightful, more efficient, and more valuable to the institutions we serve.Job description

Position: Bank Credit Review & Loan Compliance Auditor

Description: AuditOne works with financial institutions, including large community and regional banks, credit unions, and FinTechs offering a full range of internal audit and credit review services. We are seeking an additional team member to join our Credit Review and Loan Compliance area, with a specific emphasis on commercial lending, including commercial real estate (CRE), construction loans, and overall commercial credit review processes. Expertise in residential and consumer lending is also useful.

This role also requires a strong foundation in lending regulations and loan compliance, as well as the ability to navigate the complexities of both residential and commercial lending markets. Most audits are conducted remotely, allowing for flexibility in work arrangements. If you have a passion for the commercial lending sector and possess a comprehensive understanding of commercial lending practices and lending compliance regulations, we invite you to apply and help drive the continued success of our Credit Review and Loan Compliance team.

Requirements: We are looking for the following:

LENDING COMPLIANCE

· Regulation B – Adverse Action Notices, Signature Rules, and Appraisal Notices

· Equal Credit Opportunity Act and Fair Housing Act – Fair Lending anti-discrimination policy, procedures, and practices

· Regulation H – Flood Determinations, Notices, and Insurance Requirements

· Regulation C (HMDA) – Loan Application Register (LAR) data integrity (HMDA limited reporting process)

· Regulation AA – (UDAP) Unfair or Deceptive Acts or Practices

· FCRA – Policy and procedures with attention to sections - §604 - Permissible purposes of consumer reports, §609 - Disclosures to consumers regarding credit reporting agency, §615 – Credit Score Disclosures

· SCRA/MLA – Servicemembers’ Civil Relief Act/Military Lending Act

· Fair Debt Collection Practices Act

CREDIT REVIEW

Loan Risk Identification and Monitoring (Sample-based):

o Appropriateness of Risk Grading

o Underwriting Practices

o Exceptions: Policy, Documentation, Renewals, Covenants, Client Reporting

o Problem Loan Monitoring

Credit Governance and Administration

o Adequacy of Credit Policy

o Risk Grading System

o Governance Structure

o Board and Management Reporting and Oversight

o Concentration Management

Loan Portfolio Quality

o Credit Quality Trends and Peer Comparisons

· Experience with residential and consumer lending (credit, operational and compliance risk). Any additional familiarity with commercial lending would be further beneficial.

· Individuals who are organized and can deliver quality product on a timely basis within set, tight timelines.

· Strong communication skills, both written and verbal. Given the nature of our work, interpersonal skills are critical, both in-person as well as on a remote basis.

Qualifications & Experience

Required

2+ years of experience as either a credit review auditor or credit officer

2+ years of experience working in community banks, regional banks or large credit unions

Working knowledge of lending compliance regulations

Excellent interpersonal communication skills working remotely or onsite

Clear, concise report writing skills

Background in internal audit, risk advisory, consulting, or professional services

Understanding of regulatory environment (FFIEC, FDIC, OCC, NCUA, CFPB)

Benefits

Healthcare benefits package including medical, dental, and vision

Access to group-rate benefits

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)

401(k) plan with guaranteed employer contribution (Safe Harbor Plan)

This position, along with all our audit staff, is important to ensure AuditOne becomes the long-term partner of choice for financial institutions navigating increasing risk and complexity.

Equal Opportunity Employer

AuditOne is an equal opportunity employer. We are committed to creating a diverse and inclusive work environment for all employees.

Pay: $60.00 - $65.00 per hour

Benefits:
• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible schedule
• Health insurance
• Health savings account
• Parental leave
• Retirement plan
• Tuition reimbursement
• Vision insurance

Work Location: Remote

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