Case study: Development of Process to Proactively Measure Fair Lending Risk: Financial Services
Charles Schoenkin
Charles Schoenkin

Regional Bank


A regional bank was in need of a comprehensive process to capture and analyze information necessary to pro-actively measure fair lending risk.


I developed procedures and a process to analyze application level data and evaluate key variables to assess adherence to regulations and help client pro-actively identify areas of risk. Evaluated originations of residential mortgages by identifying and examining key variables within bank’s data. Working with compliance, legal, and originations areas, assessed bank’s treatment of protected classes and analyzed results in order to identify potential areas of fair lending concern.


Implementation of new process with ongoing analyses and continual improvements to internal policies, procedures, and data capture.