Civista Bank

Description:

Position Purpose:
The HMDA Analyst is responsible for managing the bank’s mortgage, consumer, and commercial lending data to ensure it is collected and reported in compliance with the Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) requirements.

Key Accountabilities, Responsibilities and Expectations:
• Interpret and analyze HMDA data and understand all related reporting rules.
• Gather HMDA data from mortgage, consumer, and commercial business units regularly and on time.
• Review loan files as needed to confirm the accuracy of information reported on the HMDA Loan Application Register (LAR).
• Clearly communicate discrepancies, errors, or concerns to the appropriate business units for follow-up and correction during reviews.
• Perform edit checks and provide management with feedback on areas that need improvement to maintain data accuracy.
• Partner with the Fair Lending Officer to prepare and submit the annual HMDA LAR to the Consumer Financial Protection Bureau (CFPB).
• Create, document, and conduct review or audit test samples independently or with the Compliance team.
• Follow industry-standard reporting practices for documenting exceptions found during reviews.
• Participate in Compliance reviews, special projects, and training as needed.
• Attend available training to stay informed about regulatory updates.
• Perform additional duties as assigned.

Requirements:

Qualifications, Knowledge and Skills:
• Bachelor’s degree or equivalent experience
• Experience in financial services or Compliance preferred
• 2–5 years reviewing or auditing mortgage, consumer, or commercial lending data
• At least 2 years working with large datasets (1,000+ records, fields, or inputs)
• At least 2 years using proprietary software (Microsoft Excel, NContracts, or similar)
• Strong analytical abilities
• High accuracy and attention to detail
• Strong verbal and written communication skills
• Effective interpersonal skills in person and remotely
• Ability to ask questions, troubleshoot issues, and propose solutions
• Ability to manage multiple tasks, handle ad-hoc requests, and meet deadlines
• Some knowledge of CRA requirements
• Solid understanding of the Federal Reserve Bank system
• Strong knowledge of HMDA rules and the ability to apply regulatory changes to loan operations
• Intermediate understanding of loan file documentation and underwriting policies
• Intermediate knowledge of Fair Lending laws and regulations

Physical Requirements:
• Frequent eye strain from computer use and reviewing documents
• Extended periods of sitting
• Ability to remain focused despite possible distractions

EOE – Race/Sex/Disability/Veteran

This job description does not list every duty or responsibility for this role.

Management may change or assign responsibilities at any time.