A+ Federal Credit Union is a member-focused financial institution in banking and finance. It offers checking and savings accounts, loans, investment options, and digital banking through online and mobile tools. The credit union also supports community initiatives and provides financial literacy resources. Its work brings together financial services, digital products, and community engagement.
Remote Lending Compliance Analyst (HMDA)
Support A+ Federal Credit Union’s lending compliance program through HMDA data reviews, risk-based monitoring, and regulatory reporting. Coordinate with business teams to resolve data exceptions and track compliance findings through remediation.
Сипаттама
- Support the Credit Union’s Compliance Management System with independent, risk-based monitoring and testing
- Help develop, administer, implement, and maintain the Lending Compliance Program
- Review reportable originated and non-originated mortgage, retail, and commercial loan applications for HMDA compliance
- Import and export periodic data files, reconciling populations to confirm completeness
- Verify reportable data against source documents, host and loan-origination systems, and the Loan/Application Register
- Work with business units to identify, document, and resolve loan-data exceptions; recommend data maintenance and reporting changes
- Check property addresses and census and geographic details, and resolve quality and validity edits
- Meet Regulation C regulatory deadlines
- Prepare documentation and responses for audits and examinations
- Create procedural manuals, job aids, testing scripts, workpapers, dashboards, and management reports
- Compile HMDA and Fair Lending metrics
- Upload review packages to the imaging system for record retention
- Conduct compliance monitoring and testing within approved scopes, procedures, methodologies, and schedules
- Assess compliance with federal and state lending requirements, policies, procedures, controls, disclosures, and record-retention rules
- Document monitoring and testing objectives, scope, samples, procedures, evidence, results, conclusions, and approvals
- Evaluate control design and effectiveness, including root-cause and impact analysis
- Communicate findings and follow corrective actions through remediation and closure
- Conduct compliance, product, and service risk assessments
- Research lending compliance questions and escalate novel, high-risk, or legally complex matters
- Review and recommend revisions to policies, procedures, forms, disclosures, communications, job aids, and intranet content
- Support compliance reviews of products, services, systems, vendors, decisioning models, workflows, marketing, and member communications
- Contribute to regulatory-change impact assessments and monitor implementation
- Offer practical guidance and training while leaving ownership with first-line management
- Assist with internal and external audits and regulatory examinations
- Escalate material, systemic, recurring, overdue, or potentially harmful issues affecting consumers
- Stay current on applicable lending laws, regulations, guidance, enforcement trends, and industry practices
- Apply fair-lending and UDAAP considerations to monitoring, testing, product reviews, complaints, and corrective actions
- Take part in monthly one-to-one meetings with the direct manager and perform other assigned duties
Талаптар
- High school diploma or GED required
- Bachelor’s degree in business, finance, accounting, risk management, or a related field preferred
- At least two years of experience in lending, loan servicing, quality control, audit, risk, or regulatory compliance at a financial institution required
- Two years of experience with HMDA data integrity reviews, compliance monitoring or testing, loan-file reviews, or regulatory reporting preferred
- Two years of knowledge and work experience with financial-industry rules, regulations, and best practices preferred
- Knowledge of consumer and mortgage lending processes and regulatory requirements
- Ability to define problems, assess evidence and data, identify patterns, evaluate risk, and reach conclusions
- Strong attention to detail, organization, documentation, and time-management skills
- Strong written and verbal communication skills
- Ability to work independently, use sound judgment, and escalate matters appropriately
- Ability to collaborate with lending, operations, technology, legal, risk, audit, and other stakeholders while maintaining second-line objectivity
- Ability to learn and use loan-origination, servicing, HMDA, imaging, reporting, governance-risk-compliance, and related systems
- Microsoft Office proficiency, with advanced Excel and data-analysis skills
- Availability to work at least 40 hours per week
- Ability to work flexible hours and travel occasionally, including overnight stays
- Ability to handle sensitive and confidential information with integrity and appropriate safeguards
Артықшылықтар
- Remote work
- Flexible hours
- Professional development and job-related training
- Occasional travel and overnight stays
- Disability accommodations
- Equal opportunity employer