Retail Credit HMDA Specialist II

Role Overview

• Review all Consumer and/or Small Business applications for adherence to the Home Mortgage Disclosure Act/HMDA, including non-originated applications.
• Review performance and offer process improvement recommendations for the current application system or other Consumer and/or Small Business loan processes as they relate to HMDA administration.
• Assist in development and/or maintenance of a tracking system for HMDA errors and omissions with subsequent management reporting.
• Ensure that the loan application register is up to date and submitted to Compliance in a consistent timely manner.
• Assist in preparation for audits and/or examinations.
• Participate in all required compliance training, as well as internal and external training programs, online training, meetings, or other education events as assigned by Loan Ops and Bank leadership.
• Adhere to Corporate and Retail Credit policies and procedures as prescribed.
• Exemplify behaviors in alignment with the bank’s vision, mission, and culture; exhibit professionalism at all times.
• Provide world-class service to internal and external clients with a sense of urgency and positive attitude.
• Demonstrate exceptional organization and time management skills and the ability to balance competing priorities to meet multiple deadlines.
• Take ownership of other duties as assigned.
• Thorough understanding of all Consumer and Small Business Loan products.
• Thorough knowledge of HMDA guidelines.
• Thorough knowledge of the manual and automated systems used in HMDA tracking and reporting.
• Knowledge of how to calculate loan-to-value.
• Gain a thorough knowledge of Consumer and Small Business Lending Credit Policy/Guidelines.
• Thorough knowledge of loan documentation, collateral evaluation, and lien perfection.

Requirements

• College Graduate Preferred.
• High School graduate or similar certificate and equivalent experience in an acceptable related field
• 2 – 4 year’s work experience in a financial institution with a focus on due diligence with loan documentation.
• 2+ year(s) HMDA experience.
• Strong knowledge of consumer and commercial loan documentation.
• Thorough knowledge of Meridian Link, NewGen, Unity, Navigator, and UCB internal banking systems.
• Strong computer skills with demonstrated knowledge of Microsoft Office products, including but not limited to Excel, Word, and Outlook
• Ability to multi-task
• Detail-oriented
• Self-starter, and works with minimal direction
• Excellent written and verbal communication skills
• Ability to prioritize and meet deadlines
• Interpersonal skills and team-oriented
• Excellent knowledge of fundamentals of lending and loan processing for a variety of loans.
• Ability to identify and appropriately escalate issues requiring problem solving and decision making.
• Completion of all required Bank Secrecy Act/anti-money laundering training suitable to his or her position.
• Utilized independence in problem solving and decision making.

Tech Stack

• Unity

Benefits

• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.