UKFCU is an equal employment opportunity employer and is committed to providing employment opportunities to minorities, females, veterans, and disabled individuals. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or status as a protected veteran. UKFCU invites you to review the current "EEO Is the Law" poster as part of the application process. A link to the most current posters is here. Please also see the 2015 Supplemental EEO Poster here.

Applications are only accepted through our online application system. However, if you need assistance with any part of the application process or are unable to apply online because of a medical condition or disability and need an accommodation, please contact recruiting@ukfcu.org to let us know the nature of your request. Please note, UKFCU accepts only employment applications that are complete and received by the Office of Human Resources by the specified deadline for each opening.

This position allows for an optional hybrid work arrangement which includes a combination of both in-office and remote work arrangements. (Maximum of two days remote, three days in-office). To be eligible for the program, employees must complete a minimum of 6 months of continuous, regular employment, be in good standing, and submit a formal hybrid work application prior to being eligible for hybrid work, pending supervisor approval. Work schedules will be established by the employee's supervisor according to business needs. Working locations and schedules may be altered at management discretion.

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Title: HMDA Specialist

Department: Consumer Lending

Reports to: Home Equity Loan Processing Supervisor

FLSA: Non-exempt

Job Grade: 9 ($23.86-$25.39 starting hourly rate)

Job Purpose: The HMDA Specialist is responsible for administering and maintaining the Credit Unions compliance with the Home Mortgage Disclosure Act (HMDA) and other applicable federal and state fair lending laws and regulations related to HMDA. The HMDA Specialist will be responsible for reviewing all HMDA reportable loan applications across all business lines in accordance with established policies and procedures and assist in the preparation and maintenance of the HMDA Loan Application Register (LAR). The HMDA Specialist is responsible for assisting with data management and reporting associated with regulatory reporting needs as well as other administrative tasks.

Essential Job Results:

JOB SPECIFIC RESULTS

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  Responsible for a final review of all HMDA reportable loans identified on the LAR for 100% accuracy prior to the annual LAR submission. Complete annual submission of HMDA data to CFPB.
• Responsible for staying current with regulatory changes and any new guidance that would impact HMDA reporting.
• Serves as the subject matter expert on HDMA and provides training and guidance to other Credit Union employees in relation to HMDA data collection, tracking, and reporting software systems.
• Verifies the input of HMDA information into the Credit Unions processing system.
• Follow up with lenders or processing to confirm required information. Review trends of data errors and provide feedback and staff trainings.
• Perform geocoding, data quality and validity checks on HMDA data.
• Research and resolve exceptions identified.
• Assists with remediation and corrective action of compliance deficiencies identified through internal and external compliance reviews, audits, and examinations.
• Ensures record retention requirements are met according to the Credit Union's policies and procedures.
• Using HMDA software, import data and run analysis reports.
• Analyzes HMDA data for potential impact to the Credit Union and advises key personnel on recommended policy, procedure, and program training changes.
• Prepares reports as necessary to assist management team in analyzing strategic objectives.
• Assist as required with regulatory exams as well as internal and external audits.
• Participate on project-oriented teams to assess existing controls and provide advisory input on new controls that are being considered or in development.
• Assist with additional lending functions as needed.

GENERAL MEMBER CONTACT STAFF RESULTS

• Maintains account records by updating member information as necessary.
• When directly serving members, cross-sells credit union services by answering inquiries, actively informing members of new services and product promotions, ascertaining members needs, directing members to other staff as appropriate.

GENERAL STAFF RESULTS

• Maintains member and employee confidence and protects operations by keeping information confidential and sharing on a business-related as-needed basis only.
• Engages in problem resolution by clarifying the members and/or employees complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem; expediting correction or adjustment; following up to ensure resolution; and keeping the supervisor informed of problems and solutions.
• Complies with UKFCU policies and procedures by enforcing and adhering to internal UKFCU procedures and board-established policies.
• Complies with federal, state and local regulations and legal requirements by enforcing and adhering to requirements.
• Maintains professional and technical knowledge by maintaining an awareness of competitors rates and terms, industry trends and technology; attending staff meetings; identifying opportunities to attend seminars that enhance skills and maintain knowledge of new products that could assist in improving operational effectiveness; reviewing professional publications; establishing personal networks; benchmarking state-of-the-art practices; and participating in professional societies.
• Contributes to a team effort by accomplishing corporate and individual goals and other related results as needed.

MINIMUM REQUIREMENTS

• One year of similar or related HMDA experience.
• High school diploma or equivalent.
• Knowledge of HMDA and other fair lending laws/regulations
• Ability to communicate with others one-on-one, fielding questions and responding to complaints.
• Ability to work with other employees.
• Strong attention to detail required.
• Ability to define problems, collect data, establish facts and draw conclusions while dealing with a variety of abstract and concrete variables.
• Ability to write reports, correspondence and procedures.
• Ability to work independently.
• Ability to be self-motivated.
• Ability to work with strict deadlines and under pressure.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit and stand; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and talk or hear. The employee frequently is required to walk and stand. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee will be required to work indoors in a climate controlled office setting. The noise level in the work environment is usually moderate.

MENTAL DEMANDS:

The mental characteristics necessary to competently perform this job include the occasional need to be persuasive, use good judgment; and, the continuous need to use auditory perception, memory, and reasoning ability.

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  The intent of this job description is to provide a representative summary of the types of results that will be required of the positions given this title, and shall not be construed as a declaration of the specific responsibilities of any particular position. Employees may be requested to perform job-related tasks other than those specifically outlined in this description.