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Mortgage Compliance and HMDA Specialist

Company: First United Bank & Trust Co
Location: Plano
Posted on: May 3, 2021

Job Description:

Join Our Team!

We have a great team of friendly, talented and inspiring people at First United. As a learning organization, we take pride in offering exciting opportunities for employees to grow and follow their passions. That's one of the many reasons First United has been voted as one of the top places to work in Oklahoma since 2009! Browse this page to find out more about the First United culture and the many benefits of working here. Then, use our "Get Started" section to take your first step to being a part of First United.

The Position

Job Title

Mortgage Compliance and HMDA Specialist

Job Description


This position is directly responsible for assisting in the regulatory HMDA compliance related to residential mortgage lending.


Perform Origination and Adverse HMDA testing on a monthly basis. Provide results for Origination and Adverse HMDA testing to manager for trending analysis and perform trending analysis as needed. Generate monthly or ad hoc reports from LOS for HMDA testing. Update HMDA records within HMDA Software. Oversee, review, and monitor the origination system to ensure updates meet regulation requirements. Maintains current knowledge of all compliance requirements and upcoming changes that impact HMDA and residential mortgage lending industry. Field questions from the business regarding HMDA or other compliance related matters. Ensures that management is informed of frequently occurring HMDA errors or if errors exceed the maximum allowable regulatory threshold. Assists in HMDA LAR submissions as well as monthly HMDA exception reviews and scrubbing of HMDA data. Assist with monthly and quarterly HMDA conference calls with the business and 2LOD. Ability to maintain and update the organization's policy and procedures. Prepare meeting agendas, PowerPoints, visual aids and other materials for HMDA. Provide HMDA training for the business as needed.


  • Performs other duties as requested by Executive Management or Supervisor.
  • Completes all required compliance exams on a yearly basis.
  • Adherence to all First United Policies and Procedures.
  • Dresses professionally.


To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and Work Experience

  • High school diploma or equivalent (GED) required.
  • Bachelor of Science, Business preferred.
  • Minimum 1-2 years experience in mortgage lending or banking environment preferred.

Technical/Functional Competencies

  • Strong organizational skills.
  • Strong attention to detail.
  • Proficient in the use of Microsoft Excel, Word, Power Point, Outlook.
  • Strong knowledge with LOS Encompass.
  • Strong knowledge with HMDA software QuestSoft.
  • Excellent verbal and written communication skills.
  • Exceptional interpersonal communication skills.
  • Ability to follow written and verbal directives.
  • Ability to articulate ideas and methods to improve overall mortgage compliance metrics.
  • Ability to work independently on assigned tasks as well as to accept direction on given assignments.
  • Ability to managed multiple projects while adhering to strict deadlines.
  • Demonstrated technical knowledge of Bank, mortgage, Federal and State lending and compliance/regulatory matters.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

All Locations:

Plano Mortgage

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at for assistance.

First United Bank is an Equal opportunity employer. This company considers candidates regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status.

Keywords: First United Bank & Trust Co, Plano , Mortgage Compliance and HMDA Specialist, Other , Plano, Texas

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