Director, HMDA & Fair Lending Analytics
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Job Location:
Irvine, CA - USA
Monthly Salary:
$ 104000 - 155000
Posted on:
07-11-2025
Vacancies:
1 Vacancy
Job Summary
Description
Position at loanDepot
Position Summary:
Responsible for leading the development and execution of fair lending analytics programs to identify manage and report on fair lending risks. Oversees the design and maintenance of loanDepots HMDA compliance management system to ensure complete accurate and timely data collection reporting and submission. Provides strategic direction on fair lending compliance applying expert judgment in establishing internal procedures interpreting regulatory requirements and responding to data and analytics requests from internal and external stakeholders.
Responsibilities:
- Fair and Responsible Lending:
- Manages fair and responsible lending analytics program elements including performance analytics matched pair testing redlining reviews ECOA monitoring etc. Creates reporting of fair lending data to management.
- Develops innovative approaches to identify and monitor fair and responsible lending risk through performance analytics and monitoring initiatives incorporating each of loanDepots lending channels.
- Uses the results of lending performance analytics to identify fair and responsible lending risks. Prepares findings analyzes root causes and identifies systemic operational and process issues.
- HMDA:
- Reviews and monitors policies procedures and internal controls to ensure ongoing compliance with the collection and reporting requirements set forth in HMDA and Regulation C.
- Manages the HMDA team and ensures timely and accurate submission of HMDA data to the Consumer Financial Protection Bureau. Submits any necessary resubmission of HMDA LAR data to regulatory agencies. Ensures quarterly LAR information is maintained pursuant to HMDA and Regulation C.
- Monitors and evaluates system controls to ensure the accuracy of HMDA data capture as well as identification of higher risk issues.
- Establishes data integrity testing and protocols to address risks identified through routine monitoring and testing. Documents testing requirements in procedures job aids and scenario guides. Ensures a clear auditable trail is maintained for HMDA LAR validation within each loan or application file.
- Prepares written HMDA reports detailing findings and recommendations for corrective actions.
- Maintains up-to-date knowledge of regulations and regulatory guidance enforcement actions and industry trends and incorporates this knowledge into ongoing development and maintenance of fair and responsible lending risk management efforts.
- Provides technical guidance training information and analysis to peers and team members.
- Initiates and completes special project assignments such as due diligence examinations task force projects or special ad hoc reviews.
- Performs other duties and projects assigned.
Requirements:
- Bachelors Degree required and a minimum of ten (10) years of fair lending compliance and analytical experience.
- Minimum of seven (7) years mortgage lending experience in compliance with emphasis on HMDA reporting.
- Minimum of five (5) years experience in the field of mortgage lending compliance and regulatory audit reporting required.
- Experience with Microsoft Office Excel and Empower required.
- Demonstrates familiarity with statistical and analytical tools specifically Rata Comply for fair lending and fair servicing analysis.
- Demonstrates strong working knowledge of applicable federal and multi-state regulatory requirements as related to the Home Mortgage Disclosure Act (HMDA).
- Demonstrates working knowledge of mortgage lending regulatory requirements including but not limited to: Equal Credit Opportunity Act Fair Housing Act Fair Credit Reporting Act Community Reinvestment Act (state specific) and Dodd-Frank Regulatory Reform Act is desired as related to origination and reporting of mortgage loans
- Advanced knowledge of regulatory reporting software specifically Rata Comply.
- Exceptional verbal written and interpersonal communication skills with emphasis on ability to express statistical ideas and concepts clearly and logically.
- Demonstrates a strong sense of ethics and confidentiality.
- Strong problem solving decision making and reporting skills.
- Analytical detailed and results oriented.
Why work for #teamloanDepot:
- Aggressive compensation package based on experience and skill set.
- Inclusive diverse and collaborative culture where people from all backgrounds can thrive.
- Work with other passionate purposeful and customer-centric people.
- Extensive internal growth and professional development opportunities including tuition reimbursement.
- Comprehensive benefits package including Medical/Dental/Vision.
- Wellness program to support both mental and physical health.
- Generous paid time off for both exempt and non-exempt positions.
About loanDepot:
loanDepot (NYSE: LDI) is a digital commerce company committed to serving its customers throughout the home ownership journey. Since its launch in 2010 loanDepot has revolutionized the mortgage industry with a digital-first approach that makes it easier faster and less stressful to purchase or refinance a home. Today loanDepot enables customers to achieve the American dream of homeownership through a broad suite of lending and real estate services that simplify one of lifes most complex transactions. With headquarters in Southern California and offices nationwide loanDepot is committed to serving the communities in which its team lives and works through a variety of local regional and national philanthropic efforts.
Base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay for this role is between $104000 and $155000. Your base pay will depend on multiple individualized factors including your job-related knowledge/skills qualifications experience and market location.
We are an equal opportunity employer and value diversity in our company. We do not discriminate based on race religion color national origin gender sexual orientation age marital status veteran status or disability status.
Required Experience:
Director
Key Skills
- Adobe Analytics
- Data Analytics
- SQL
- Attribution Modeling
- Power BI
- R
- Regression Analysis
- Data Visualization
- Tableau
- Data Mining
- SAS
- Analytics
About Company
Apply for your mortgage or refinance online with loanDepot. Trust the second largest non-bank lender in the country to provide you with quality mortgage lending and refinance services in all 50 states.
