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Fcra Jobs in Iowa (NOW HIRING)

VisionBank

Compliance Officer

Boone, IA · On-site

Ensure compliance with consumer protection regulations including UDAAP, TILA, TISA, RESPA, ECOA, FCRA, Fair Lending, and other applicable consumer laws. Review and approve marketing materials, social ...

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Fcra information

What are the top 10 recession proof jobs?

Recession-proof jobs include roles in healthcare such as nurses and medical technicians, government positions, utility workers, and IT professionals. These jobs typically involve essential services, require specialized skills or certifications, and tend to experience steady demand even during economic downturns.

What jobs make $1,000,000 a year?

Jobs related to the Fair Credit Reporting Act (FCRA) typically do not pay $1,000,000 annually; high earnings in this field are usually associated with executive roles in large financial or credit reporting companies, such as chief compliance officers or senior legal counsel, often requiring extensive experience, specialized knowledge of credit laws, and leadership skills. Most professionals in this area earn significantly less, with top executives reaching high seven-figure salaries through bonuses and stock options.

What is a CCR job?

A CCR (Customer Care Representative) job involves handling customer inquiries, resolving issues, and providing support through phone, email, or chat. It requires strong communication skills, problem-solving abilities, and familiarity with customer service tools or CRM systems.

What is FCRA for employment?

FCRA (Fair Credit Reporting Act) for employment regulates how employers can use consumer credit reports and background checks during the hiring process. It requires employers to obtain written consent from applicants and provide notice if adverse actions are taken based on the report. Compliance ensures fair and lawful use of background information in employment decisions.

What is an FCRA job?

An FCRA job typically refers to roles related to the Foreign Contribution Regulation Act (FCRA) in India, which governs foreign donations to organizations and individuals. Professionals in these roles ensure compliance with FCRA regulations, manage foreign funding approvals, and maintain accurate records of contributions. They often work in NGOs, financial institutions, or government agencies to prevent misuse of foreign funds. Responsibilities may include handling documentation, conducting audits, and liaising with regulatory authorities.

What are typical challenges faced by an FCRA Compliance Specialist in their day-to-day work?

FCRA Compliance Specialists often encounter the challenge of staying current with frequently changing regulations and ensuring that company policies remain aligned with legal requirements. They must meticulously review and audit consumer reporting processes, respond to compliance inquiries, and manage documentation for investigations or disputes. Additionally, they frequently collaborate with legal teams, IT, and management to implement corrective actions. Effectively handling these challenges is essential to safeguard the organization from legal risks and to maintain consumer trust.

What are the key skills and qualifications needed to thrive in the Fcra position, and why are they important?

To thrive as an FCRA (Fair Credit Reporting Act) Compliance Specialist, you need a deep understanding of federal credit reporting laws, analytical skills, and careful attention to regulatory details, often supported by a background in compliance, law, or finance. Familiarity with compliance management software, audit tracking systems, and updated knowledge of federal and state legislation is typically required. Strong communication, problem-solving, and organizational skills help FCRA professionals navigate complex compliance issues and collaborate effectively across departments. These competencies are crucial to ensure organizations maintain legal compliance, minimize risk, and protect consumer data.

What are popular job titles related to Fcra jobs in Iowa? For Fcra jobs in Iowa, the most frequently searched job titles are:
What job categories do people searching Fcra jobs in Iowa look for? The top searched job categories for Fcra jobs in Iowa are:
Fcra jobs near you
Infographic showing various Fcra job openings in Iowa as of July 2026, with employment types broken down into 1% As Needed, 82% Full Time, 9% Part Time, 7% Temporary, and 1% Contract. Highlights an 84% Physical, 6% Hybrid, and 10% Remote job distribution.

VP Credit Risk Management

GreenState Credit Union

Clive, IA • On-site

$186K - $218K/yr

Full-time

Re-posted 8 days ago

GreenState Credit Union rating

8.5

Company rating: 8.5 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

Job description

Position Summary
The VP Credit Risk Management is a key member of senior management, responsible for designing, implementing, and overseeing credit underwriting for the organization. This role provides strategic direction to optimize portfolio performance while mitigating risk across Consumer, Mortgage and Commercial Lending portfolios. The VPCR will lead underwriting, policy development, and credit approval processes to ensure adherence to risk appetite, regulatory requirements and profitability targets.
GREENSTATE CULTURE:
At GreenState, our purpose is to create lasting value for our members, our communities, and one another. We empower our teams to create opportunities that strengthen financial well-being, transform lives, and enhance the vitality of the communities we serve. We know our success-now and in the future-is deeply rooted in fostering an engaging, diverse, and inclusive workplace where everyone knows they matter, their work makes an impact, and their everyday commitment to living our values is what brings our mission to life.
Salary range for this position is $186,985.50 - $218,607.74 with a progressive benefit package.
Essential Duties and Responsibilities
Performs essential duties and responsibilities in the following areas which may include but are not limited to those listed and are subject to change.
  1. Adheres to the Credit Union's core values and Service Standards in conducting GreenState's mission and vision.
  2. Demonstrates a positive member service (internal and external) focus at all times.
  3. Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.
  4. Ensures confidentiality of member information.
  5. Supports a diverse and inclusive work environment.
  6. Strategic Leadership & Governance
    • Develop and implement comprehensive credit underwriting strategies for Consumer, Mortgage, and Commercial lines of business, aligning with the Credit Union's overall risk appetite and growth goals.
    • Serve as a voting member of the Loan Committee, acting as the primary subject matter expert on complex credit decisions.
    • Ensure all credit policies, underwriting guidelines, and procedures are robust, current, and compliant with regulatory standards.
    • Provide regular reporting on portfolio quality, concentration risks, and emerging threats to the Executive Leadership Team.
    • Collaborate in the development processes to maximize recoveries, minimize losses, and support ongoing portfolio health through collaboration with Lending, Operations, Risk Analytics, Collections, Special Assets, and Legal.
  7. Underwriting & Risk Oversight
    • Oversee the underwriting departments for all lending products, ensuring consistent, high quality, and compliant decisioning.
    • Maintain expert knowledge of, and ensure compliance with, regulations such as Ability to Repay/Qualified Mortgage (ATR/QM), Fair Lending (Reg B), Regulation 723, and FCRA.
    • Review and approve high-level, complex credit underwriting memorandums, including commercial real estate (CRE) and C&I loans.
    • Identify and mitigate risks associated with lending products, including fraud, collateral, and concentration risks.
  8. Portfolio Management & Analytics
    • Monitor and report on Key Indicators (KIs); such as auto decisioning, approval and booking rates, across the Consumer, Mortgage and Commercial portfolios.
    • Collaborate with Lending, Operations, Risk Analytics, Collections, and Special Asset teams to strengthen underwriting standards, streamline workflow processes, enhance speed-to-decision, and improve the member experience.
  9. Leadership & Team Development
    • Lead, mentor, and develop a high-performing team of managers, senior underwriters, analysts, and credit officers.
    • Foster a proactive risk culture focused on accountability, accuracy, and efficiency.
  10. Regulatory Relations
    • Act as the primary point of contact for regulatory agencies on all credit underwriting matters.
    • Lead the remediation of issues related to credit underwriting.

Job Requirements/Expectations
  1. Qualifications
    • Bachelor's degree in Finance, Accounting, Economics, or related field.
    • Minimum of 10+ years of progressive experience in credit underwriting management within a bank or credit union.
    • Minimum of 5+ years experience at a Director level or higher.
    • Deep knowledge of Commercial (C&I/CRE), Mortgage, and Consumer loan product underwriting.
    • Strong understanding of financial services rules and regulations (ATR/QM, Reg B, FCRA).
    • Comprehensive knowledge of valuation methodologies and appraisal standards applicable to both commercial and residential properties.
    • Familiarity with loan origination systems (LOS), data analytics tools, and Microsoft Office Suite.
  2. Core Competencies
    • Ability to anticipate market trends and emerging risks.
    • Strong ability to interpret complex financial data and modeling.
    • Superior verbal and written skills, with the ability to present to the Board.
    • Sound, independent judgment in high paced environment.

Reporting Relationship
This position reports to the Chief Risk Officer.
Supervisory Responsibilities
This position is responsible for the supervision of others.
Equal Opportunity Employment Statement
GreenState Credit Union is an EEO/AA Employer. We strongly encourage all individuals to apply for openings with the credit union.
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