Schedule

What You’ll Do

Summary/Objective:

The Mortgage Risk Analyst II is responsible for managing and analyzing HMDA and fair lending data.

Essential Functions:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

• Support the Mortgage Department to develop and maintain an optimized and efficient program for the validation and submission of HMDA data.
• Perform ad hoc quality assurance testing to ensure internal policies and procedures are adhered to within the mortgage lending process.
• Track and report the results of testing, providing both technical and functional suggestions to enhance the member experience through the lending process and create efficiencies for mortgage lending personnel.
• Work with the Mortgage Risk and Compliance Departments to revise and implement existing and future regulatory needs throughout the mortgage lending areas.
• Work with Mortgage Department leadership on internal and external audits examinations, assisting in the resolution of any outstanding issues.
• Responsible for maintaining a mortgage lending compliance program in various areas, such as Fair Lending, HMDA and TRID.
• Responsible for ensuring the communication and execution of secondary market requirements are met.
• Create plans and execute the validation of HMDA data and Fair Lending side-by-side analysis.
• Assist in the design and implementation of projects and activities to further the growth of mortgage lending at DCU.
• Collaborate with other business areas for the collection and submission of HMDA data.
• Develop analytical methods and models that assess the credit risk of new and existing financial and mortgage products. Conducting research on enhancements to the existing models and applying industry best practices and techniques to meet various business needs.
• Provide innovative, detailed, and practical solutions to an extensive range of demanding and complicated problems.
• Ensure Fair Lending compliance efforts are risk-based and appropriate for the size and complexity of DCU’s mortgage lending program.
• Complete annual Fair Lending procedure reviews, training, testing, and monitoring activities (e.g., statistical analysis, comparative file reviews, etc.), risk assessments, complaints analysis, issues management and reporting.
• Make recommendations for changes to procedures and documentation.
• Create and maintain gap analysis detail reporting.
• Manage large data sets, troubleshoot, develop efficient processes for collecting and aggregating data.
• Communicate effectively with team members and Mortgage Department leadership.
• Identify issues and escalate as needed.
• Perform other job-related duties as assigned.

What You’ll Need

Education and Experience Requirements:

• 5-7 years leadership and related mortgage lending experience
• BA/BS Degree
• Knowledge of state and federal compliance regulations
• Knowledge of Secondary Market guidelines

Additional Eligibility Requirements:

• Technical Skills (word, excel, outlook etc.)
• Professional Written and Verbal Communication skills

What We Do

DCU is the largest credit union headquartered in New England – serving more than one million members in all 50 states. With over 1,900 team members, we strive to make DCU a great place to work with an excellent work-life balance and a community that cares.

DCU is an equal-opportunity employer, and we value diversity, inclusion, and equity at our company. We evaluate qualified applicants without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability, veteran status, and other legally protected characteristics.

If you’re applying for a job and need a reasonable accommodation for any part of the employment process, please send an email to career@dcu.org and let us know the nature of your request and contact information. Please note that only those inquiries concerning a request for reasonable accommodation will be responded to from this email address.

DCU is not currently offering Visa transfer/ sponsorship for this position.

Excepted Pay Range