HMDA 专员
HMDA Specialist
职能支持未标注地域
公司NightOwl Consulting
薪资未公开
工作地点Worldwide
地域资格未标注地域
时区要求日间重叠约 9 小时，基本正常作息
用工类型Full Time
发布时间13 天前
数据来源Himalayas
我们正在寻找一位注重细节、具备分析能力和经验的HMDA专员加入我们的团队。在此职位中，您将负责确保按照《住房抵押贷款披露法案》（HMDA）的要求，准确收集、验证和报告贷款数据。该职位需要对抵押贷款发起流程有深入了解，并具备解读复杂监管要求的强大力量。
主要职责
- 审查、分析并验证贷款申请数据，以确保符合HMDA报告要求。
- 保持数据完整性，并确保及时提交LAR（贷款申请登记表）。
- 识别并解决贷款文件和系统中的HMDA数据差异。
- 监控Encompass中人口统计、处理结果和交易数据的准确性。
- 与内部团队（包括处理、承销和合规）协作，确保HMDA相关问题得到正确记录和解决。
- 根据需要从Encompass生成临时报告，以支持审计、质量控制和运营需求。
- 跟踪HMDA法规的变化，并据此向团队提供建议。
- 协助进行与HMDA合规相关的内部和外部审计或监管检查。
- 支持员工的持续培训和教育，以提高HMDA意识和合规最佳实践。
技能、知识和专长
- 熟练使用Encompass，了解其与HMDA数据相关的功能。
- 具备中级Microsoft Excel技能，包括：
- 添加列和重新格式化电子表格
- 数据筛选
- 执行基本公式（减法、IF语句、VLOOKUP）
- 对抵押贷款发起流程有深入理解，从申请到处理、承销和结案。
- 熟悉贷款文件及对HMDA报告至关重要的数据字段。
- 具备对不利贷款流程的扎实知识，包括：
- 拒绝的贷款
- 被撤回的申请
- 因不完整而关闭的贷款
- 已批准但未接受的交易
- 能够独立思考并创造性地解决问题，不完全依赖预定义的清单或流程。
- 高度关注细节和准确性。
- 优秀的书面和口头沟通能力。
- 能够独立工作，同时在组织内跨职能协作。
- 2年以上在抵押贷款环境中直接从事HMDA报告的经验。
- 具有合规或质量控制相关经验。
查看英文原文
We are seeking a detail-oriented, analytical, and experienced HMDA Specialist to join our team. In this role, you will be responsible for ensuring the accurate collection, validation, and reporting of loan data in compliance with the Home Mortgage Disclosure Act (HMDA). This position requires deep familiarity with the mortgage origination process and a strong ability to interpret complex regulatory requirements.
Key Responsibilities
- Review, analyze, and validate loan application data for HMDA reporting compliance.
- Maintain data integrity and ensure timely submission of the LAR (Loan Application Register).
- Identify and resolve HMDA data discrepancies across loan files and systems.
- Monitor the accuracy of demographic, disposition, and transactional data in Encompass.
- Collaborate with internal teams including processing, underwriting, and compliance to ensure HMDA-related issues are properly documented and resolved.
- Generate ad hoc reports from Encompass as needed to support audits, quality control, and operational needs.
- Stay up-to-date with changes to HMDA regulation and advise the team accordingly.
- Assist with internal and external audits or regulatory examinations related to HMDA compliance.
- Support ongoing training and education of staff to promote HMDA awareness and compliance best practices.
Skills, Knowledge and Expertise
- Proficiency in Encompass and strong understanding of its functionality as it relates to HMDA data.
- Intermediate Microsoft Excel skills including:
- Adding columns and reformatting spreadsheets
- Filtering data
- Performing basic formulas (subtraction, IF statements, VLOOKUP)
- Strong understanding of the mortgage origination process, from application through processing, underwriting, and closing
- Familiarity with loan documentation and the data fields critical to HMDA reporting.
- Solid knowledge of the adverse loan process, including:
- Denials
- Withdrawn applications
- Closed for incompleteness
- Approved but not accepted transactions
- Ability to think critically and solve problems creatively, without full reliance on a predefined checklist or process.
- High attention to detail and accuracy.
- Excellent written and verbal communication skills.
- Ability to work independently while collaborating cross-functionally within the organization.
- 2+ years of direct HMDA reporting experience within a mortgage lending environment.
- Prior experience in a compliance, quality control, or mortgage operations role.
- Familiarity with additional compliance regulations (e.g., ECOA, RESPA, TRID) is a plus.
Benefits
- Above market salary
- HMO on Day 1 for principal and two dependents
- Government-mandated benefits
- Performance-based Incentives
- Quarterly Company Events
- 1,000 PHP De Minimis
- Equipment and software provided
Originally posted on Himalayas
本页面信息整理自 Himalayas，版权归原发布方所有。职位可能随时关闭，投递请以原始页面为准。
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