Retail Credit HMDA Specialist II

Overview

The main responsibility of the HMDA Specialist is to review and validate all HMDA data for consumer and/or small business loans, both originated and non-originated. This position will conduct and/or participate in ongoing audits of loan applications for HMDA applicability, will become a subject matter expert in the HMDA work processes for both Consumer and Small Business, test and implement new HMDA work procedures, and perform correction and tracking of HMDA errors and omissions. The HMDA Specialist is expected to communicate effectively. Under minimal supervision, the position will perform a wide variety of functions relating to the HMDA documentation for all consumer and small business loan requests.

This position is available in Greenville, SC and Blairsville, GA

What You’ll Do

• 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 For Success

• 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
  
  

Conditions of Employment

• Must be able to pass a criminal background & credit check
• This is a full-time, non-remote position that requires schedule flexibility to work evenings and weekends as needed.
  
  

FLSA Status: Non - Exempt

Ready to take your career to the next level? Apply now and become a vital part of our team!

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.

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

Pay Range

USD $0.00 - USD $0.00 /Yr.