Hmda Data Integrity Analyst

Summary: The HMDA Data Integrity Analyst is responsible for assisting in administering and maintaining the Company's Compliance program by validating conformity and adherence with the Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Section 1071, Unfair Deceptive or Abusive Acts or Practices (UDAAP), Fair Lending, Home Mortgage Disclosure Act (HMDA), and other applicable federal and state laws and regulations.

Salary Range: $68,600/yr - $97,400/yr

Duties and Responsibilities:

• Understands and complies with the requirements of all laws and regulations applicable to the position.
• Perform detailed analysis of Home Mortgage Disclosure Act (HMDA) reportable originated and non-originated applications of mortgage lending, retail and commercial loans.
• Works with data providers to ensure quality data and timely monthly processes and extracts, transforms, and imports data into CRA/HMDA Wiz for data quality and validity checks; research and resolve any exceptions identified within established timeframes.
• Ensures appropriate record entries are made on the HMDA loan/application register (LAR) within thirty calendar days after the end of the calendar quarter.
• Completes the submission of complete and accurate data annually for each HMDA/CRA reportable bank by the required deadline.
• Assist the Fair Lending Officer & Data Integrity Manager with the development, administration, implementation, and maintenance of the Bank’s Fair Lending and Data Integrity Programs.
• Understands and stays abreast of the HMDA, ECOA, FHA, Fair Lending, Section 1071, and related regulatory requirements to ensure compliance with policies and procedures, data reporting, and to identify gaps in controls.
• Conduct quarterly application reviews on all bank non-originated loans.
• Maintains accurate and up-to-date records of monitoring results for further review by Auditors, Examiners, Risk Managers, and Compliance Officers.
• Prepare quality performance metric reports for various committees and meetings.
• Assist as required with internal audits and regulatory exams.
• Participates in any additional special projects or other assignments, as needed, to support the CRA, Compliance, and Risk Management Departments.

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 enable individuals with disabilities to perform essential functions.

Education and/or Experience:

• 5+ years of experience in banking or other financial services with knowledge of regulatory lending compliance for the following products: commercial lending including small business lending, and residential mortgages.
• Strong understanding and expertise in applicable fair lending and financial consumer protection laws and regulations (HMDA/Reg C, ECOA/Reg B, FHA, UDAAP, and related state laws) and regulatory trends.
• Experience using Wolters Kluwer’s lending analysis software, Encompass and Fiserv is strongly preferred, but not required.
• Compliance knowledge in commercial lending.
• Must have solid knowledge and/or experience with financial data and the ability to navigate across multiple systems to leverage and integrate related information.

Skills

• Strong Microsoft Excel, Outlook, Word, and PowerPoint skills.
• Highly organized and proactive; ability to work independently as well as collaborate effectively with other groups and teams in a fast-paced environment. Must be able to manage and thrive while addressing multiple priorities and initiatives.
• Ability to create and deliver effective presentations; and must provide reliable information reporting and analysis on a consistent and timely basis.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may enable individuals with disabilities to perform essential functions.

While performing the duties of this job, the employee is regularly required to sit for long periods of time; use hands to operate controls on a computer; reach with hands and arms for phone and computer work; communicate on the phone while wearing a headset for extended periods. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. This job description is subject to change at any time.

First Foundation is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.