Regulatory Compliance & HMDA/CRA Specialist I

Lone Star National Bank; McAllen (TX); On-site; USD 52,000 - 68,000; Full time

Job summary

Lone Star National Bank in McAllen, TX is seeking an HMDA, CRA and Insurance Compliance Specialist to manage HMDA LAR and CRA LAR reporting and monitor Hazard, Windstorm, and Flood Insurance compliance.

You will generate reports for regulatory compliance, audits, internal research, corrections, and adjustments, and coordinate with Lending and Insurance teams to ensure policies align with bank standards. This role requires regulatory knowledge and meticulous attention to detail.

Qualifications

• Proactive professional with a High School Diploma or GED and 1+ year hands-on loan administration experience, focusing on documentation, tracking and processing.
• Strong knowledge of regulatory compliance including HMDA and CRA and compliance management for Hazard, Windstorm and Flood Insurance.
• Experience with banking systems and reporting tools for regulatory submissions.

Responsibilities

• Manage and complete HMDA LAR and CRA LAR reporting; oversee tracking for Hazard, Windstorm, and Flood Insurance
• Recommend updates to management regarding related policies and procedures
• Generate reports for regulatory compliance, audits, internal research, corrections and adjustments
• Send monthly exception notices to lending officers
• Send daily matured loan and flood notices for 30-, 60-, and 90-day periods
• Verify and monitor loans requiring force-placed hazard and flood insurance
• Reconcile force-placed insurance policies with the Accounting department
• Manage hazard insurance tracking and update covenants in nCino based on insurance documents
• Update exceptions and loan information in both nCino and Silverlake
• Process insurance refunds as needed
• Scan and maintain insurance documentation
• Contact insurance agents for flood loans to confirm active policies and renewals
• Review all mortgage, consumer and commercial real estate loans for HMDA reporting in Centrax
• Review commercial loans for CRA reporting in Centrax
• Review and approve builder’s risk insurance policies provided by Loan Servicing
• Review and approve loan advances on properties located in flood zones
• Serve as primary contact for audit and compliance inquiries related to Flood Insurance, HMDA, and CRA reporting
• Provide requested documentation to external auditors annually
• Offer support to other units in the department as needed
• Deliver high-quality service with prompt and accurate completion of tasks
• Assist management with loan department related processing issues
• Participate in job specific training and other Bank training programs
• Maintain knowledge of internal risk controls and loss prevention
• Maintain knowledge of all rules, regulations and laws including BSA/OFAC/USA Patriot Act/CIP/AML

Skills

Loan administration

Regulatory compliance

HMDA reporting

CRA reporting

Insurance tracking

Bilingual English/Spanish

Education

High School Diploma or GED

Tools

Jack Henry Silverlake

Streamline Platform

nCino

Centrax

Query

Job description

Lone Star National Bank in McAllen, TX is seeking an HMDA, CRA and Insurance Compliance Specialist to manage HMDA LAR and CRA LAR reporting and monitor Hazard, Windstorm, and Flood Insurance compliance.

You will generate reports for regulatory compliance, audits, internal research, corrections, and adjustments, and coordinate with Lending and Insurance teams to ensure policies align with bank standards. This role requires regulatory knowledge and meticulous attention to detail.