HMDA & Flood Compliance Specialist

Union Bank & Trust; Lincoln (NE); Hybrid; USD 65,000 - 90,000; Full time

Job summary

Union Bank & Trust is seeking a Quality Control Specialist to ensure HMDA compliance and accurate flood review for Wholesale lending, with back-up support for Retail. This role focuses on data integrity and adherence to policies, investor requirements and federal regulations.

You will validate HMDA data, coordinate with multiple teams, and assist in regulatory changes while providing thorough flood review support post onboarding and in a hybrid work arrangement.

Qualifications

• Bachelor’s Degree in Business Administration, Finance or related field or comparable work experience preferred.
• At least 3 years experience in lending, banking compliance, or related area.
• Solid understanding of lending industry concepts, Reg C (HMDA) and NFIP rules.

Responsibilities

• Perform HMDA reviews of residential real estate loan applications and determine reportability; review HMDA data for completeness and compliance.
• Validate HMDA data fields including application info, action taken, loan terms and GMI.
• Identify, document and escalate HMDA data discrepancies and trends per QC procedures.
• Coordinate with Loan Ops, Secondary Market, and Wholesale Lending to resolve HMDA findings and support corrective actions.
• Assist with HMDA regulatory change management and procedural updates.
• Review initial flood insurance documentation for Wholesale loans pre-closing; ensure NFIP compliance and advise teams on flood loan management.
• Review flood zone determinations, notices, coverage amounts, policy terms and timing requirements.
• Identify flood compliance exceptions and support remediation with Loan Ops and Compliance.

Skills

Detailed and analytical

Organized

Self-directed and takes initiative

Time efficient and deadline driven

Independent with a team orientation

Education

Bachelor's degree in Business Administration, Finance or related field

Job description

Union Bank & Trust is seeking a Quality Control Specialist to ensure HMDA compliance and accurate flood review for Wholesale lending, with back-up support for Retail. This role focuses on data integrity and adherence to policies, investor requirements and federal regulations.

You will validate HMDA data, coordinate with multiple teams, and assist in regulatory changes while providing thorough flood review support post onboarding and in a hybrid work arrangement.