Risk Specialist I - HMDA

First Horizon Bank

Memphis (TN)

On-site

USD 55,000 - 75,000

Full time

39 hours ago

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Benefits offered by this job

Medical with wellness incentives, dent

Vision coverage

HSA with company match

Maternity and parental leave

Tuition reimbursement

Mentor program

401(k) with 6% match

Job summary

First Horizon Bank in Memphis, TN is seeking an HMDA Risk Specialist I to support the bank’s HMDA compliance program, ensuring accurate collection, analysis, and submission of HMDA data across lending operations. You will review loan files, validate HMDA information, prepare regulatory reports, and assist audits while collaborating with Compliance, Risk, and Lending teams.

Bachelor’s degree and 0+ years banking experience required; strong attention to detail and proficiency with Excel and Word

Qualifications

Bachelor (4-year college) degree required.
0+ years of Banking experience or equivalent combination of education and experience.
Strong attention to detail and organizational skills.
Knowledge of HMDA regulations and compliance principles preferred; willingness to train and develop in the field required.
Proficiency with common PC software (Excel, Word, compliance systems/databases).
Effective communication skills to interact with associates at all levels and provide excellent client service.
Ability to handle confidential information with discretion.

Responsibilities

Conduct reviews of loan files to ensure accurate and timely reporting of HMDA data fields.
Assist with validation, and correction of HMDA-related information in accordance with regulatory requirements.
Assist with the preparation of regulatory reports and assist in the timely and accurate submission of the HMDA Loan Application Register (LAR).
Collaborate with associates in the Compliance, Risk, and Lending Departments to resolve discrepancies and provide guidance on HMDA data collection.
Support audits and exams by retrieving documentation, preparing reports, and addressing examiner or auditor inquiries.
Participate in ongoing HMDA and fair lending compliance training.
Contribute to risk assessments, internal controls testing, and remediation efforts as instructed by management.
Performs other related duties as required

Skills

Attention to detail

Effective communication

Discretion with confidential data

Excel and Word

Compliance systems/databases

Education

Bachelor's degree (4-year college)

Tools

Microsoft Office

Job description

SUMMARY

The HMDA Risk Specialist I is responsible for supporting the Bank’s Home Mortgage Disclosure Act (HMDA) compliance program. This position ensures accurate collection, analysis, and submission of HMDA data. The specialist works closely with other associates across compliance, lending operations, and business units to support the bank’s risk management objectives and deliver exceptional service to our clients.

Conduct reviews of loan files to ensure accurate and timely reporting of HMDA data fields.
Assist with validation, and correction of HMDA-related information in accordance with regulatory requirements.
Assist with the preparation of regulatory reports and assist in the timely and accurate submission of the HMDA Loan Application Register (LAR).
Collaborate with associates in the Compliance, Risk, and Lending Departments to resolve discrepancies and provide guidance on HMDA data collection.
Support audits and exams by retrieving documentation, preparing reports, and addressing examiner or auditor inquiries.
Participate in ongoing HMDA and fair lending compliance training.
Contribute to risk assessments, internal controls testing, and remediation efforts as instructed by management.
Performs other related duties as required

Job Description

SUMMARY

Essential Duties And Responsibilities

Conduct reviews of loan files to ensure accurate and timely reporting of HMDA data fields.
Assist with validation, and correction of HMDA-related information in accordance with regulatory requirements.
Assist with the preparation of regulatory reports and assist in the timely and accurate submission of the HMDA Loan Application Register (LAR).
Collaborate with associates in the Compliance, Risk, and Lending Departments to resolve discrepancies and provide guidance on HMDA data collection.
Support audits and exams by retrieving documentation, preparing reports, and addressing examiner or auditor inquiries.
Participate in ongoing HMDA and fair lending compliance training.
Contribute to risk assessments, internal controls testing, and remediation efforts as instructed by management.
Performs other related duties as required

SUPERVISORY RESPONSIBILITIES

No supervisory responsibilities

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:

Bachelor (4-year college) degree
0+ years of Banking experience or equivalent combination of education and experience
Strong attention to detail and organizational skills.
Knowledge of HMDA regulations and compliance principles preferred; willingness to train and develop in the field required.
Proficiency with common PC software (Excel, Word, compliance systems/databases).
Effective communication skills to interact with associates at all levels and provide excellent client service.
Ability to handle confidential information with discretion.

COMPUTER AND OFFICE EQUIPMENT SKILLS

Microsoft Office suite

CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)

None required

About Us

First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com .

Benefit Highlights

Medical with wellness incentives, dental, and vision
HSA with company match
Maternity and parental leave
Tuition reimbursement
Mentor program
401(k) with 6% match
More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits