HMDA CRA Analyst II

Job Summary

Support the CRA and Fair Responsible Banking Officer in administering the Bank’s CRA program by ensuring compliance with Regulations B, C, and BB, with a focus on accurate data collection, validation, and reporting of HMDA and all CRA‑related activities.

• Responsible for reviewing residential, consumer, and applicable commercial loan files for CRA and HMDA reportable data, ensuring accuracy and integrity in compliance with Regulations BB, C, and
  
  B.
• Responsible for preparation of quarterly data quality reports to management, as well as submission of the annual HMDA Loan Application Register (LAR) to the CFPB.
• Support responses to inquiries related to loan documentation, data integrity, and reporting issues.
• Assist with fair lending data collection and analysis, including HMDA and CRA‑related data sets.
• Develop proficiency in Community Service tool, including oversight and monitoring of CRA service hour volumes, and communicate volunteer opportunities across the bank.
• Serve as a Community Service system subject matter expert, including:
  • Maintaining proficiency in software functionality, particularly the events module and service hour tracking.
  • Oversight and monitoring of CRA service hour volumes and reporting accuracy.
  • Promoting and coordinating bank‑wide volunteer opportunities through events module.
  • Partnering with internal teams and external nonprofit organizations to identify, develop, and onboard qualified CRA‑eligible volunteer activities into the events module.
  • Reviewing technical information received concerning software upgrades and/or enhancements and applying the changes to procedures and processes as necessary.
• Act as liaison for the CRA Ambassador Program, including:
  • Supporting engagement, communication, training, and alignment of CRA ambassadors across the bank.
  • Driving participation in CRA‑qualified service activities.
• Generate reports using HMDA software and assist in CRA data analysis, including support of CRA self‑assessments, as well as fair lending.
• Assist in the preparation of board and management reports/presentations, including:
  • Compilation, analysis, and presentation of CRA service hour data and trends.
  • Supporting materials for CRA Service Test performance.
• Maintain and update the CRA Public File at least annually, ensuring timely and accurate responses to public requests.
• Assist with the compilation of documentation supporting CRA Lending, Service, and Investment Tests, regulatory exams, and internal audits.
• Partner with lines of business and data management teams to:
  • Improve efficiency in data collection processes.
  • Identify root causes of data issues and implement corrective actions.
• Support strong partnerships with internal and external stakeholders to enhance community impact and CRA performance.
• Review regulatory changes and assess impact to bank processes, procedures, and policies; summarize findings for management.
• Attend training, seminars, and workshops to maintain and expand regulatory and CRA knowledge.
• Maintain and update CRA/HMDA policies and procedures, ensuring alignment with current regulatory requirements.
• Develop and deliver training materials and job aids for employees related to CRA, HMDA, and service tracking processes.
• Perform additional duties as assigned.
• Keep the CRA and Fair & Responsible Banking Officer informed on the progress of assignments, projects, and programs.
• Adhere to the highest ethical standards, regulatory requirements, policies, procedures, and Seacoast Bank Code of Conduct.

• High school graduate, some college (associate degree) preferred, with concentration in Business, Finance, or Accounting
• Strong, analytical, organizational, and problem‑solving skills
• 5 or more years General banking experience with a thorough understanding gained through applicable experience (3‑5 years) of CRA and/or Fair Lending Laws (Reg. B, C, & BB) as well as consumer, residential, and commercial loan documentation experience.