HMDA & Compliance QC Analyst, Commercial Lending

S&T Bank; United States; On-site; USD 22,041 - 45,460; Full time

Job summary

S&T Bank is seeking a detail‑oriented post‑closing compliance specialist to perform HMDA data validation, post‑close reviews, and documentation control for commercial lending. You will maintain HMDA registers, reprocess loan files, and ensure adherence to RegB and flood regulations while mentoring peers.

Candidates should have a high school diploma and 2–5 years in business with HMDA/RegB expertise; strong communication and teamwork skills are essential for success in a collaborative bank

Qualifications

• High school diploma or equivalent.
• Two to five years of general business experience, with one to two years specialized experience in HMDA, RegB, and flood regulations as they apply to commercial lending.
• Advanced knowledge of lending, applicable banking laws, federal and state regulations, bank policies, and lending platforms.
• Ability to work independently and collaboratively in a team environment.
• Strong interpersonal, organizational, and communication skills.
• Manual dexterity for typing and filing up to 60% of the business day.

Responsibilities

• Perform post-close reviews on loan applications and modifications through data field validation to ensure data integrity for commercial loan documents.
• Maintain HMDA Loan Applications Register, reviewing loans for HMDA accuracy and validating action codes; enter data in nCino LOS.
• Determine cause of HMDA errors, track by employee, and communicate findings to the Commercial Loan Post Close Compliance Supervisor while mentoring peers.
• Reprocess loan applications and modifications with lending personnel and request additional details required by underwriting standards.
• Conduct pre-audit reviews for underwriting and documentation preparation to ensure compliance with HMDA, RegB, CIP, and CDD monitoring.
• Validate compliance documentation for withdrawn and declined loan applications and monitor withdrawals to meet timeframes; ensure RegB disclosures when applicable.
• Collaborate with management to implement regulatory updates across commercial loan documentation operations.
• Work with the Commercial Loan Funding and Compliance Quality Control Supervisor to ensure quality control and report findings.
• Obtain proficiency in loan origination software, Microsoft Office Suite, FIS, imaging systems, and related upgrades.
• Maintain knowledge of applicable laws, regulations, and bank policies/underwriting manuals to ensure compliance.
• Assist in developing and maintaining commercial loan documentation manuals used for training.
• Maintain positive relationships with coworkers and vendors; work independently and as a team.

Skills

HMDA knowledge

RegB knowledge

Flood regulations

Education

High school diploma

Tools

FIS

Microsoft Office

Job description

S&T Bank is seeking a detail‑oriented post‑closing compliance specialist to perform HMDA data validation, post‑close reviews, and documentation control for commercial lending. You will maintain HMDA registers, reprocess loan files, and ensure adherence to RegB and flood regulations while mentoring peers.

Candidates should have a high school diploma and 2–5 years in business with HMDA/RegB expertise; strong communication and teamwork skills are essential for success in a collaborative bank