Risk Specialist I - HMDA

First Horizon Bank; Orlando (FL); On-site; USD 45,000 - 65,000; Full time

Benefits offered by this job

Medical benefits

HSA with match

Parental leave

Tuition reimbursement

401(k) with match

Job summary

First Horizon Bank is seeking an HMDA Risk Specialist I to support the HMDA program, ensuring accurate collection, analysis, and submission of HMDA data. The role collaborates with Compliance, Risk, and Lending teams to uphold risk management objectives and deliver excellent service to clients.

The ideal candidate has a Bachelor’s degree with 0+ years of banking experience, strong attention to detail, and knowledge of HMDA regulations.

Qualifications

• Bachelor's degree or equivalent required.
• 0+ years of banking experience or equivalent
• 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

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 preparation of regulatory reports and timely submission of the HMDA LAR.
• Collaborate with Compliance, Risk, and Lending Departments to resolve discrepancies and provide HMDA data guidance.
• Support audits and exams by retrieving documentation, preparing reports, and addressing examiner inquiries.
• Participate in ongoing HMDA and fair lending compliance training.

Skills

Attention to detail

HMDA knowledge

Excel proficiency

Communication skills

Discretion

Education

Bachelor's degree

Tools

Excel

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 (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

Follow Us

Facebook

X formerly Twitter

LinkedIn

Instagram

YouTube

Job Identification: 1240

Job Category: Support

Job Schedule: Full time

Degree Level: Bachelor's Degree