HMDA Analyst Job at Municipal Credit Union in New York

About MCU:

At Municipal Credit Union, we believe that an incredible culture helps create a happy and motivated team that works hard to achieve the best results for themselves and their members. For more than 100 years, MCU has provided affordable financial products and convenient services to a membership base that is now comprised of over 500,000 individuals. With each new generation we have the pleasure of interacting with, we maintain the credit union promise of people helping people.

Overview: The HMDA Analyst is responsible for ensuring HMDA data is accurate and in compliance with the most recent regulatory and bank standards. This role is responsible for assisting in any internal and external HMDA audits.

Responsibilities:

Specific duties include, but are not limited to, the following:

• Responsible for ensuring MCU’s compliance with HMDA reporting requirements by performing a post close compliance audit on originated and non-originated applications.
• Accountable for verifying the completeness and accuracy of the data reported, timely reporting and communication to MCU’s lending team with regard to HMDA issues and inquiries, and ensuring satisfactory internal and external HMDA audits.
• Review and assist in certifying the accuracy of HMDA data submitted to the institution’s reporting agency through imaged documents and review of the various loan operating systems.
• Communicate discrepancies in HMDA data with appropriate business units within MCU
• Assists in problem-solving and suggesting enhancements to processes/procedures.
• Assist in performing a quarterly upload of all HMDA data to MCU's HMDA software.
• Perform any additional loan application register maintenance, including but not limited to, calculating rate spreads, census tract data, and running edit checks.
• Subject matter expert of all HMDA regulatory requirements to ensure compliance with data reporting and train business units as needed.
• Maintain a high-level of expertise in MCU’s HMDA software.
• Assist in the annual submission of HMDA data to the appropriate regulatory reporting agency.
• Work closely with business units to answer any HMDA related questions.
• Assist in the development of procedures and checklists to ensure that the data captured, analyzed, and reported is accurate.
• Perform other related duties as requested and special projects as assigned.

Requirements:

• Minimum of 5 years of mortgage experience
• Minimum of 1 year HMDA experience
• Bachelor’s degree or equivalent experience
• Experience with FHA, VA, conventional and Investor programs
• Ability to perform in a high-volume environment and meet deadlines while maintaining exceptional attention to detail
• Technologically proficient

Why you’ll be a good fit:

Our Core Values are an integral part of who we are and who we hire. By living our Core Values, every day, we continue to attract the best and brightest talent, achieve unsurpassed results and continuously challenge ourselves to be better than yesterday. These values are at the heart of our organization and within every teammate. To be a great fit, you’ll bring the following:

Results – You’ll look to achieve the best outcomes for our members. Continuously track and measure everything, and use it to always improve. Be proactive, not reactive.

Agility – You’ll remain agile in your decision making, planning, and delivery; using curiosity and creativity to see situations from all perspectives.

Integrity – You’ll act professionally and positively. Build trust, be upfront and communicate thoroughly.

Teamwork – You’ll work to achieve common goals as part of ONE TEAM.

Ownership – You’ll hold yourself and others accountable and remain committed to our obligations while caring about the outcomes as much as an owner would.

Belonging – You’ll embrace and environment in which any individual or group can be and feel welcomed, respected, supported and valued.

We stand by our mission to connect our members and communities with an exceptional financial future and we are looking for individuals who share this same purpose to take this journey with us.

What we can offer you:

Competitive compensation, medical and dental benefits.

401K with employer match

Flexible paid time off

We are committed to hiring, training, cultivating, promoting, and celebrating an environment where we have a welcoming and fulfilling place for all people to call home. Diversity of race, thought, sexual orientation, age, veteran status, religion, and disability will empower us to thrive as individuals, as teams, and as an organization.

Municipal Credit Union (MCU) is an Equal Opportunity Employer.

Municipal Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Salary: $41.21 to 46.41/hour