Senior HMDA Analyst

Senior HMDA Analyst

East Lansing, Michigan

First National Bank of America is seeking a Senior HMDA Analyst to join the HMDA team. This role ensures FNBA's Home Mortgage Disclosure Act (Regulation C) reporting data complies with the requirements of the regulation. The analyst, acting as a subject matter expert, will help manage the collection, validation, and submission of the HMDA Loan Application Register (LAR). The HMDA Senior Analyst will also perform high-level audits, identify data discrepancies, and implement corrective action to ensure regulatory compliance and data integrity.

Responsibilities:

• Perform quality HMDA reviews with an error rate of less than 2%
• Maintain and build proficiency of current knowledge on the Home Mortgage Disclosure Act
• Proficient with the different origination systems and the vendor platform the bank utilizes in complying with HMDA
• Perform daily review of loan files to ensure information is reported accurately on the HMDA LAR
• Ensure that errors related to HMDA reporting are corrected in the necessary systems the bank utilizes for HMDA reporting and properly entered into the HMDA software applications
• Collect, process, display, and disseminate monthly, quarterly, and annual reports to management
• Manage the bank's proprietary HMDA software, including being able to assign loans, as necessary, to all active analysts
• Willingness to become ABA HMDA Certified
• Monitor annual HMDA regulatory changes from the regulators and ensure process, procedures and system changes are completed, if applicable

Qualifications:

• Adaptable and accepting of change
• Attention to detail and accuracy
• Critical thinking
• Sound and accurate judgment
• Well organized with the ability to manage multiple tasks and work to time sensitive deadlines
• Excellent oral and written communication skills in order to communicate issues and errors to different departments when needed
• Working knowledge of Microsoft Office Programs with an emphasis on Excel
• Minimum of one year of experience in a HMDA Department, general banking, or mortgage compliance, or experience in a financial regulatory agency with an emphasis in loan compliance, or equivalent level of education and experience preferred

Employee benefits:

• Medical – Multiple plans to choose from including HSA and traditional. Premiums as low as $0.00
• Dental – Premiums as low as $0.00
• Vision – Low premium Plan
• Discounted childcare
• Pet Insurance
• Paid Time Off (PTO)
• 401k with employer match
• Adjustable desks that can be raised or lowered to sit or stand

At First National Bank of America, we are looking for exceptional individuals with a "servant's heart" or a natural humility that recognizes the importance of prioritizing others' needs. We celebrate and acknowledge efforts that exceed expectations, whether it's delivering added value to customers or supporting colleagues. Just as interest compounds over time, the little things we do can make a substantial difference.

First National Bank of America recognizes that the quality of our people is the foundation for our success. Attracting exceptional individuals who value a challenging work environment that rewards the contributions of its people is the cornerstone of our hiring philosophy.

Note: These statements are intended to describe the general nature and level of work involved for this job. It is not an exhaustive list of all responsibilities, duties, and skills required for this job.

First National Bank of America uses E-Verify to confirm employment eligibility as per E-Verify guidelines.

First National Bank of America is an Equal Opportunity Employer.