Compliance HMDA Analyst Main Office

Capital City Bank Careers•Tallahassee, FL

11h

About The Position

Compliance HMDA Analyst - Capital City Bank - More Than Your Bank, Your Banker. Hours: Monday-Friday 40 hours General Summary The Compliance HMDA Analyst is responsible for maintaining compliance with the Home Mortgage Disclosure Act (HMDA) by collecting, reviewing, analyzing, validating, and reporting data. This position will manage technical support for all HMDA issues and will be involved in all regulatory examinations and audits. Responsible for administering and maintaining the Bank's compliance programs to ensure conformity and adherence with HMDA. Provides training to Bank associates on HMDA policies and procedures. The HMDA Analyst will work closely with the Compliance Manager, Compliance Quality Assurance Manager and members of the Fair Lending team. All associates at Capital City Bank, Capital City Wealth, and Capital City Home Loans have access to confidential client information and must practice discretion at all times.

Requirements

Varied and extensive banking background with detailed knowledge of regulatory compliance is required, with formal compliance training a “plus.”
CRCM Certification required but can be gained through employment. Commitment to become certified within 5 years from date of hire.
Excellent grasp of the laws and regulations governing consumer compliance.
Ability to analyze and apply consumer and commercial lending regulatory requirements.
Excellent organizational, verbal, and written communication and composition skills.
Solid interpersonal skills necessary to interact with bank associates, and management.
Strong problem-solving skills.
Strong attention to detail.
Must be self-directed and work with a minimum of supervision.
Ability to multi-task and to shift priorities as needed to perform tasks within changing deadlines.
In depth knowledge of Microsoft Office products (Word, Excel, Outlook, Power Point, Adobe Reader)
Knowledge of banking, the internal structure of a bank, elements of bank operations and services helpful.
Understanding of consumer protection and public interest laws and regulations; bank supervisory compliance examination procedures a plus.
Bachelor's Degree preferred plus five (5) years significant regulatory compliance experience.
Additional experience may substitute for the education requirement.
Regulatory compliance experience in a federally regulated financial institution required.
Internal audit experience a plus.

Responsibilities

Responsible for the administration of the HMDA Compliance Management System.
In conjunction with Compliance Quality Assurance Manager ensure executive management is continuously informed on all aspects of the Bank’s HMDA compliance activities, including an evaluation of its relative risk exposure related to these activities.
Responsible for monitoring and analyzing developing trends and changes in regulations relating to Fair Lending, including: HMDA, ECOA, FHA, and other regulations as applicable.
Participates in new product development and responsible for providing input regarding HMDA compliance concerns relevant to proposed and current products and services offered by the Bank.
Research compliance issues and problems and provides interpretations and clarifications.
Research other compliance requirements that are not necessarily mandatory, but from which the Bank can benefit.
Execution of corrective action taken by management to address compliance deficiencies, including conducting follow-up reviews to determine the adequacy and effectiveness of action taken.
Maintain current awareness of legislative developments and a working knowledge of state (multi-state) and federal laws and regulations as they relate to consumer compliance.
Ability to research, analyze and communicate the impact of consumer laws and regulations on Bank operations, including policies, procedures, new and existing products, forms, advertising and promotional materials.
Recommends required changes for implementation.
Conducts detailed review and correction of lending data to ensure compliance with HMDA regulatory requirements and business unit policy and procedure.
Ability to prepare professional written reports of findings and recommendations.
Assists Star University with compliance training initiatives.
Develop content and provide training sessions on regulatory compliance issues.
Assumes responsibility for new hire training and annual training of associates.
Assists in the writing and editing of compliance material (e.g. policies, procedures, programs, committee agendas, meeting materials, committee minutes, etc.).
Performs a variety of daily tasks including review of reports and correspondence preparation.
Participates in special Compliance department projects.
Provides additional support to manager and department colleagues.
Completes all assigned/required Bank training within established timelines.