177 - Deposit & Loan Servicing - HMDA/CRA Review Specialist at First United Bank & Trust in Oakland, Maryland

Job Description:

Job Reporting Relationships

            Supervised by:            Assistant Operations Manager

            Supervises:                  None

Basic Qualifications

Education/Training:  A B.S. or B.A. degree in a related field preferred; specialized HMDA/CRA compliance training; obtain and maintain appropriate Bank Product Knowledge Certification.

Skill(s): Proficient reading, writing, grammar, and mathematics skills; proficient interpersonal relations, communicative, and teaching skills; knowledge of applicable banking regulations; moderate computer skills; visual and
auditory skills; valid driver's license.

Experience:    A minimum of three to five (3-5) years' related experience preferred.

General Responsibilities

The HMDA/CRA Review Specialist is responsible for monitoring, reviewing, and updating the banks loan applications in accordance with HMDA/CRA. Assist Compliance with preparing the annual Loan Application Register (LAR).  Demonstrate full understanding of the requirements under Regulation C and HMDA/CRA.  Will also assist with quality review of all types of loans originated.  Responsible for performing a variety of duties to support the loan servicing function; coordinating work within the department, as well as with other departments; reporting pertinent information to the immediate supervisor; responding to inquiries or requests for information.

Essential Duties

1.       Performs a variety of duties to support the loan servicing function, of which the following are illustrative:

a.        Conduct HMDA/CRA data integrity reviews on all eligible loan files and communicate the findings and recommendations for remediation.    Provide reports and responds to inquiries from management, internal & external auditors, and bank examiners. Assist Compliance in preparing the annual Loan Application Register (LAR).

b.      Performs quality review on all new consumer and commercial loan files to validate accuracy of loan input.   

c.       Pulls and replaces loan files in an orderly manner daily and monitors via tracking system.

d.    Responds to all inquiries from customers and associates in a timely manner and communicates findings to appropriate individual.

e.       Performs other related duties as assigned.

2.      Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal
discriminatory behavior in the workplace.

3.    Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's
compliance with all regulatory requirements, e.g. Home Mortgage Disclosure Act (HMDA) Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit
Opportunity Act, etc.

4.     Coordinates specific work tasks with other personnel within the department as well as with other departments to ensure the smooth and efficient flow of information.

5.   Reports pertinent information to the immediate supervisor as requested, or according to an established schedule; compiles information as necessary or as directed and provides data to
appropriate bank personnel.

6.     Responds to inquiries relating to his/her area, or to requests from customers, other bank personnel, etc., within given time frames and within established policy.

Ancillary Duties

1.     Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.

Job Location

                        Operations Center, 12892 Garrett Highway, Oakland, MD

Equipment/Machines

1.       Telephone

2.       Automobile

3.       PC/Computer keyboard

4.       Printer

5.       Calculator

6. Fax/Copy/Scanner machine