Risk Specialist I - HMDA

First Horizon Bank; Memphis (TN); On-site; USD 54,000 - 78,000; Full time

Benefits offered by this job

Medical with wellness incentives

Dental insurance

Vision insurance

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 seeks an HMDA Risk Specialist I to support the bank’s HMDA compliance program. You will collect, analyze, and submit HMDA data, working with Compliance, Risk, Lending, and operations to ensure accurate reporting and strong risk controls.

The role emphasizes attention to detail, knowledge of HMDA rules, and proficiency with Excel/Word. Collaboration with multiple teams and ongoing compliance training are key parts of the position.

Qualifications

• Bachelor's degree required with any relevant banking coursework.
• Strong attention to detail and organizational skills.
• Knowledge of HMDA regulations and compliance principles preferred; training provided.
• Proficiency with PC software including Excel and Word; compliance systems/databases familiarity.
• Effective communication to interact with colleagues and provide client service.
• Ability to handle confidential information with discretion.

Responsibilities

• Review loan files to ensure accurate HMDA data reporting.
• Validate and correct HMDA information per regulatory requirements.
• Prepare regulatory reports and assist in submitting the HMDA LAR.
• Collaborate with Compliance, Risk, and Lending to resolve discrepancies.
• Support audits and respond to examiner inquiries with documentation.
• Engage in HMDA and fair lending compliance training.
• Contribute to risk assessments and internal controls testing.
• Perform other related duties as needed.

Skills

Attention to detail

Organizational skills

HMDA knowledge

Excel

Word

Compliance systems/databases

Effective communication

Discretion with confidential data

Education

Bachelor's degree

Tools

Excel

Word

Compliance systems/databases

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.

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

1. 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:

1. Bachelor (4-year college) degree
2. 0+ years of Banking experience or equivalent combination of education and experience
3. Strong attention to detail and organizational skills.
4. Knowledge of HMDA regulations and compliance principles preferred; willingness to train and develop in the field required.
5. Proficiency with common PC software (Excel, Word, compliance systems/databases).
6. Effective communication skills to interact with associates at all levels and provide excellent client service.
7. Ability to handle confidential information with discretion.

COMPUTER AND OFFICE EQUIPMENT SKILLS

1. Microsoft Office suite

CERTIFICATES, LICENSES, REGISTRATIONS

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

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Job Identification: 1240

Job Category: Support

Job Schedule: Full time

Degree Level: Bachelor's Degree