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Hmda Cra Officer Jobs (NOW HIRING)

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Hmda Cra Officer information

What is an HMDA CRA officer?

HMDA CRA Officers are banking professionals responsible for ensuring a financial institution's compliance with the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA). Their duties include collecting, analyzing, and reporting loan data, monitoring lending practices, and implementing strategies to meet regulatory requirements. They help banks serve the credit needs of their communities, including low- and moderate-income neighborhoods, and prepare for regulatory examinations. HMDA CRA Officers also provide training to staff and maintain policies and procedures that support compliance efforts.

How does an HMDA CRA officer typically collaborate with other departments to ensure compliance?

An HMDA CRA Officer frequently works closely with departments such as lending, compliance, and IT to ensure accurate data collection and reporting. This collaboration involves conducting training sessions, reviewing loan files, and coordinating audits to address any discrepancies. Regular meetings and clear communication channels are crucial, as the officer must ensure all team members understand regulatory requirements and data integrity standards. Such cross-functional teamwork helps maintain compliance with HMDA and CRA regulations and supports a culture of regulatory awareness throughout the organization.

What are the key skills and qualifications needed to thrive as an HMDA CRA officer, and why are they important?

To thrive as an HMDA CRA Officer, you need a strong understanding of banking regulations, particularly the Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA), along with experience in compliance or risk management roles. Familiarity with compliance software, HMDA/CRA reporting tools, and data analysis systems is typically required, and relevant certifications such as CRCM (Certified Regulatory Compliance Manager) are valuable. Attention to detail, analytical thinking, and effective communication skills help in ensuring regulatory adherence and collaboration across departments. These skills and qualifications are crucial for maintaining regulatory compliance, avoiding penalties, and supporting the institution’s reputation and community responsibilities.

What is the difference between Hmda Cra Officer vs Loan Processor?

AspectHmda Cra OfficerLoan Processor
CredentialsTypically requires knowledge of HMDA and CRA regulations, sometimes a background in banking or financeRequires understanding of loan documentation and processing, often with mortgage or banking certifications
Work EnvironmentBanking or financial institution, regulatory compliance settingMortgage or lending department within banks or mortgage companies
Employer & IndustryFinancial institutions, regulatory agenciesMortgage lenders, banks, credit unions
Search & Comparison IntentUnderstanding compliance roles related to HMDA and CRAUnderstanding loan processing and mortgage documentation

The Hmda Cra Officer focuses on ensuring compliance with HMDA and CRA regulations within financial institutions, while a Loan Processor handles the day-to-day processing of mortgage applications. Both roles are essential in the lending industry but serve different functions related to compliance versus loan administration.

What are popular job titles related to Hmda Cra Officer jobs?

For Hmda Cra Officer jobs, the most frequently searched job titles are:

Infographic showing various Hmda Cra Officer job openings in the United States as of September 2026, with employment types broken down into 1% Internship, 92% Full Time, and 7% Part Time. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution.

Vice President, Banking Compliance (HMDA Officer, CRA Officer)

Melville, NY • On-site

$108K - $127K/yr

Full-time

Re-posted 2 days ago


Key responsibilities

  • Oversee and enhance the Bank's Compliance Management System (CMS) and compliance operations across deposit, commercial, and consumer banking activities.

  • Lead the Bank's HMDA, CRA, and Fair Lending programs, including data integrity, reporting, and regulatory exam readiness.

  • Review and approve customer disclosures, oversee compliance policies and procedures, and provide guidance on regulatory interpretation and implementation.


Job description

Description:

The Vice President (VP), Banking Compliance is a senior leadership role responsible for overseeing and enhancing the Bank’s Compliance Management System (CMS) and compliance operations across deposit operations, commercial and consumer banking, and lending activities. This role serves as a subject matter expert in bank regulatory compliance with a strong focus on Deposit and Lending compliance, HMDA, CRA, and Fair Lending, ensuring adherence to applicable federal and state laws and regulations, including OCC supervisory expectations.


The VP will partner closely with business line leadership, risk management, and audit functions to ensure effective compliance oversight and approvals across the full lifecycle of banking products—from account opening and client onboarding to lending and loan lifecycles, including disclosures, customer communications, and regulatory reporting and analysis. The role plays a critical part in managing compliance risk, supporting regulatory expectations, and promoting a strong culture of compliance across the organization.


About Servbank:

Founded in 1994, Servbank is a banking institution with local roots and national reach. We were built on a foundation of community-orientation, which ensures that no matter who we serve, we do so with the human touch that marks the gold standard of service. We work with individuals, businesses, and communities, so that whether you’re a student, a homeowner, a small business owner, or a community leader, we can help you fulfill your goals. Come create excellence with Servbank.


Duties and Responsibilities:


Regulatory Compliance Oversight

  • Lead second-line oversight of compliance across deposit operations, consumer and commercial banking, and lending activities.
  • Ensure adherence to key regulations including HMDA, CRA, ECOA/Reg B (Fair Lending), TILA, RESPA, UDAAP, TISA, EFTA, and applicable OCC guidance.
  • Review and approve customer disclosures and notices, including account opening, maintenance, product changes, and fee schedules.
  • Oversee development, implementation, and maintenance of compliance policies, procedures, and controls across business lines.
  • Provide expert guidance on regulatory interpretation, applicability, and implementation.
  • Prepare executive-level reporting for senior management, Risk Committee, and the Board on compliance trends and risks.
  • Maintain strong relationships with internal audit, legal, and business partners.


HMDA, CRA, and Fair Lending Leadership

  • The ideal candidate will serve as the Bank’s HMDA and CRA Officer and will lead the Bank’s HMDA and CRA Task Forces.
  • Oversee HMDA data integrity, reporting, and governance, including data validation, scrubbing, and annual LAR submissions.
  • Lead CRA program oversight, including performance monitoring, assessment area analysis, and regulatory exam readiness.
  • Direct Fair Lending program activities, including risk assessments, statistical analysis, and monitoring for disparate treatment or impact.
  • Review findings, root cause analysis, and corrective action plans; ensure timely escalation of material issues.
  • Partner with internal stakeholders to identify and remediate potential compliance risks.


Deposit Operations and Disclosures Expertise

  • Provide oversight of compliance risks related to deposit products, account servicing, and customer disclosures.
  • Ensure compliance with regulatory disclosure requirements and customer communications (e.g., Reg DD, Reg E).
  • Collaborate with operations and product teams to ensure compliant product design and lifecycle management.
  • Provide advisory support on new product development, system implementations, and strategic initiatives.
  • Ensure timely incorporation of regulatory changes into policies, procedures, and controls.
  • Promote a proactive, risk-aware culture aligned with the Bank’s compliance and risk appetite.
Requirements:


  • 5+ years of progressive experience in banking compliance, risk management, or audit.
  • Demonstrated expertise in HMDA, CRA, and Fair Lending, including program management and reporting.
  • Strong experience supporting deposit operations, disclosures, commercial and consumer lending compliance.
  • Experience interacting with regulators (OCC, FDIC, CFPB or Federal Reserve).
  • Professional certification such as CRCM (Certified Regulatory Compliance Manager) preferred, but not required.


Technical Knowledge


Deep understanding of:

  • Consumer protection regulations (ECOA, TILA, RESPA, UDAAP, Reg DD, Reg E, etc.)
  • HMDA data collection, validation, and reporting requirements
  • CRA performance standards and evaluation criteria
  • Fair Lending analytics and risk assessment methodologies
  • Familiarity with compliance systems, data analytics tools, and reporting platforms.


Leadership Skills

  • Proven ability to lead cross-functional initiatives and influence senior stakeholders.
  • Strong analytical, problem-solving, and decision-making skills.
  • Excellent written and verbal communication skills, including executive-level reporting.


Preferred Attributes

  • Experience in a growth-oriented bank ($1B–$10B range) with evolving regulatory expectations.
  • Ability to build and enhance compliance programs in a dynamic environment.

Strong balance of strategic oversight and hands-on execution.



Work Location Requirement: This position is designated as remote; however, if you reside within a 50-mile radius of one of our office locations, the role will be considered in-office and not eligible for remote work.


EEO Statement:

We’re an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.