Risk Specialist I, HMDA
First Horizon Bank
About the Role
The HMDA Risk Specialist I is responsible for supporting the Bank’s Home Mortgage Disclosure Act (HMDA) compliance program. This position ensures accurate collection, analysis, and submission of HMDA data. The specialist works closely with other associates across compliance, lending operations, and business units to support the bank’s risk management objectives and deliver exceptional service to our clients.
Key Responsibilities
- Conduct reviews of loan files to ensure accurate and timely reporting of HMDA data fields.
- Assist with validation and correction of HMDA-related information in accordance with regulatory requirements.
- Assist with the preparation of regulatory reports and aid in the timely and accurate submission of the HMDA Loan Application Register (LAR).
- Collaborate with associates in the Compliance, Risk, and Lending Departments to resolve discrepancies and provide guidance on HMDA data collection.
- Support audits and exams by retrieving documentation, preparing reports, and addressing examiner or auditor inquiries.
- Participate in ongoing HMDA and fair lending compliance training.
- Contribute to risk assessments, internal controls testing, and remediation efforts as instructed by management.
- Performs other related duties as required.
Qualifications
- Bachelor (4-year college) degree.
- 0+ years of Banking experience or equivalent combination of education and experience.
- Strong attention to detail and organizational skills.
- Knowledge of HMDA regulations and compliance principles preferred; willingness to train and develop in the field is required.
- Proficiency with common PC software (Excel, Word, compliance systems/databases).
- Effective communication skills to interact with associates at all levels and provide excellent client service.
- Ability to handle confidential information with discretion.
Computer and Office Equipment Skills
- Microsoft Office suite
Certificates, Licenses, Registrations
- None required