HMDA CRA Analyst II

JOB SUMMARY:
Support the CRA and Fair Responsible Banking Officer in administering the Bank’s CRA program by ensuring compliance with Regulations B, C, and BB, with a focus on accurate data collection, validation, and reporting of HMDA and all CRA-related activities.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Responsible for reviewing residential, consumer, and applicable commercial loan files for CRA and HMDA reportable data, ensuring accuracy and integrity in compliance with Regulations BB, C, and B.


• Responsible for preparation of quarterly data quality reports to management, as well as submission of the annual HMDA Loan Application Register (LAR) to the CFPB.


• Support responses to inquiries related to loan documentation, data integrity, and reporting issues.


• Assist with fair lending data collection and analysis, including HMDA and CRA-related data sets.


• Develop proficiency in Community Service tool, including oversight and monitoring of CRA service hour volumes, and communicate volunteer opportunities across the bank.


• Serve as a Community Service system subject matter expert, including:
  
  
  
  • Maintaining proficiency in software functionality, particularly the events module and service hour tracking.
  
  
  • Oversight and monitoring of CRA service hour volumes and reporting accuracy.
  
  
  • Promoting and coordinating bank-wide volunteer opportunities through events module.
  
  
  • Partnering with internal teams and external nonprofit organizations to identify, develop, and onboard qualified CRA-eligible volunteer activities into the events module.
  
  
  • Reviewing technical information received concerning software upgrades and/or enhancements and applying the changes to procedures and processes as necessary.
  
  
  
  


• Act as liaison for the CRA Ambassador Program, including:
  
  
  
  • Supporting engagement, communication, training, and alignment of CRA ambassadors across the bank.
  
  
  • Driving participation in CRA-qualified service activities.
  
  
  
  


• Generate reports using HMDA software and assist in CRA data analysis, including support of CRA self-assessments, as well as fair lending.


• Assist in the preparation of board and management reports/presentations, including:
  
  
  
  • Compilation, analysis, and presentation of CRA service hour data and trends.
  
  
  • Supporting materials for CRA Service Test performance.
  
  
  
  


• Maintain and update the CRA Public File at least annually, ensuring timely and accurate responses to public requests.


• Assist with the compilation of documentation supporting CRA Lending, Service, and Investment Tests, regulatory exams, and internal audits.


• Partner with lines of business and data management teams to:
  
  
  
  • Improve efficiency in data collection processes.
  
  
  • Identify root causes of data issues and implement corrective actions.
  
  
  
  


• Support strong partnerships with internal and external stakeholders to enhance community impact and CRA performance.


• Review regulatory changes and assess impact to bank processes, procedures, and policies; summarize findings for management.


• Attend training, seminars, and workshops to maintain and expand regulatory and CRA knowledge.


• Maintain and update CRA/HMDA policies and procedures, ensuring alignment with current regulatory requirements.


• Develop and deliver training materials and job aids for employees related to CRA, HMDA, and service tracking processes.


• Perform additional duties as assigned.


• Keep the CRA and Fair & Responsible Banking Officer informed on the progress of assignments, projects, and programs.


• Adhere to the highest ethical standards, regulatory requirements, policies, procedures, and Seacoast Bank Code of Conduct.

EDUCATION and/or EXPERIENCE:

• High school graduate, some college (associate degree) preferred, with concentration in Business, Finance, or Accounting


• Strong, analytical, organizational, and problem-solving skills


• 5 or more years General banking experience with a thorough understanding gained thru applicable experience (3-5 years) of CRA and/or Fair Lending Laws (Reg. B, C, & BB) as well as consumer, residential, and commercial loan documentation experience.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position.  They are not intended to be an exhaustive list of responsibilities, duties, and skills.  Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry.  It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles.  This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.