Hmda CRA Specialist

Job Title

HMDA/CRA Specialist

Status

Full-Time

Reports To

Home Equity Manager

Summary

Maintain compliance with the Home Mortgage Disclosure Act ("HMDA") and Community Reinvestment Act ("CRA") by performing file reviews, compiling, validating, and analyzing data elements required by the Acts. To maintain appropriate records / documentation necessary to successfully complete OCC examinations.

Typical Job Entry Requirements

(To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or ability required.)

• Thorough knowledge of lending (commercial, mortgage, consumer) products and processes.

• Thorough knowledge of consumer compliance, fair lending laws and regulations.

• Thorough knowledge of HMDA compliance, fair lending laws and related regulations.

• Bachelor's Degree in a business related field is preferred but not required.

• The ability to research, interpret, and apply current HMDA and fair lending regulations for appropriate compliance.

• Proven analytical, problem solving skills.

Primary Activities

(Essential duties and responsibilities include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

• Performing file reviews of home equity loans for coverage and reporting under the HMDA requirements.

• Compiling and verifying the required data elements for reportable loans.

• Make recommendations to Home Equity Manager based on observations and findings from work performed.

• Perform analysis and create reports as directed by the Chief Compliance Officer

• Provide technical support concerning HMDA to Department Managers and Staff.

• Performing quarterly reviews of HMDA data for accuracy.

• Any other duties as assigned or required.

Professional Development

• Attend professional development seminars if applicable to HMDA compliance as recommended by the Home Equity Manager

Competency/Skill Level

(The behaviors, knowledge, and motivations important to success in the job.)

• Written and Oral Communication skills

• Initiative/innovation

• Problem Assessment and Solving skills

• Customer Service Orientation

• Problem Assessment and Solving Skills

• Attention to Detail

• Technical/Professional Knowledge

• Tenacity

• Planning/Organizing

Key Behaviors

• Provides Proper Telephone Etiquette to Internal/External Customers

• Services Internal/External Customer Requests/Inquiries

• Reviews Required Documentation for Accuracy and Completeness

• Personal Development as Established with Manager

Bank Secrecy Act

• Maintain sufficient knowledge and understanding of the Bank Secrecy Act, Anti-Money Laundering/Anti-Terrorist Financing/PATRIOT Act and OFAC regulations

• To be able to fulfill applicable requirements and responsibilities under the bank's related policies and programs.

Critical Job Elements

(Essential duties and responsibilities include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

• Generally good working environment with little exposure to noise, extreme temperatures or other adverse factors.

• Limited physical effort required.

• Regularly required to talk and hear. Frequently required to stand, walk, sit, use hands to finger, handle or feel objects, work tools or equipment, and reach with hands and arms. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to adjust focus.

• Above average amount of pressure to work efficiently and accurately.

• Considerable effort and eye strain from continued checking on the accuracy of all work leaving department.

• Above average mental effort consisting of beyond normal levels of concentration, memory, complexity of decision making, time pressure, analytical thinking.