Regulatory Reporting Analyst III

Location

 

US-MS-Jackson | US-MS, AL, Houston, TX; Memphis, TN; Panhandle FL; Atlanta, GA

 

 

 

Job ID 

2026-19655  

 

Category 

Compliance  

 

Type 

Regular Full-Time  

 

Job Grade 

9  

 

FLSA Status 

Non-Exempt  

 

 Job Location: Company  

Compliance - 10050

Overview

 

 

 

The purpose of this role is to support the processes that ensure data integrity and accuracy  for required regulatory annual filings for the Home Mortgage Disclosure Act (HMDA) and Small Business/Small Farm (CRA) Loan Application Registers (LARs).  Additionally, the role requires interpretation of the data through statistical and trend analysis to determine fair lending risk exposure for the bank.

 

 

 

 

Responsibilities

 

 

 

Maintain LARs by:

Ensuring the LARs are complete and accurate throughout the year

Ensuring all reportable applications, loans, or line data is being received in the Data Warehouse

Maintaining and updating data in the data collection software, as needed

Perform periodic reviews of the LARs to ensure data integrity

Review reports to detect and correct errors on reportable applications, loans, and lines

Assist in performing reviews of validity edits, statistical edits, and quality edits to assure accuracy of the LARs

Work with business lines to ensure that identified exceptions are cleared and errors are corrected

Assist with special projects assigned by the Regulatory Reporting Compliance Manager and/or the Fair and Responsible Banking Director

Stay current on various databases' capabilities and enhancements that affect review and verification processes

Provide back up for the other Regulatory Reporting Analyst as needed

Coordinate, assist and maintain LARs by performing data imports, downloads, exports, report generation, and data capture

Assist in the coordination and performance of data integrity reviews. Evaluate any deficiencies for root cause(s) and make recommendations to management to correct deficiencies to line of business (LOB) systems and processes

Assist in submission processes including coordination and perform reviews of logic, validity edits, statistical edits, and quality edits to assure the accuracy of the LARs

Participate in real-time analytical analysis of LAR and Non-LAR data used in developing reviews and processes for the analytical team. Support analytic performance and assessment in all lending lines

Assist the Regulatory Reporting Compliance Manager in determining the bank's training needs

Work in conjunction with department, business line management and IT with incorporating any regulatory change(s) impacting regulatory reporting

Provide guidance, as needed, to Regulatory Reporting Analysts regarding accurate LAR reporting, fair lending best practices and other issues as they arise

Handle special projects that analyzes and interprets LAR data assigned by the Regulatory Reporting Compliance Manager and/or the Fair and Responsible Banking Director

Assist the Regulatory Reporting Compliance Manager with internal audits, regulatory exams, and compliance, including ensuring policies and procedure documents are kept up to date

Perform additional duties as assigned.

 

 

 

 

Qualifications

 

 

 

4 year college degree with 2+ years related work experience, preferably in regulatory reporting (HMDA/CRA LAR) in a midsize or large bank environment

-OR-

2 year college degree with 3+ years related work experience, preferably in regulatory reporting (HMDA/CRA LAR) in a midsize or large bank environment

-OR-

High School graduate with 5+ years related work experience, preferably in regulatory reporting (HMDA/CRA LAR) in a midsize or large bank environment

Advanced knowledge of the Home Mortgage Disclosure Act (HMDA/Reg C.)

Advanced knowledge of the Community Reinvestment Act (CRA/ Reg. BB)

Advanced knowledge of policies, practices, and operations that impact to data collection and reporting

Adept at using loan underwriting and servicing systems

Knowledge of lending (mortgage, consumer, small business) bank-specific policies, practices, and operations

Knowledge of loan underwriting and servicing systems such as: ACTion, Partners, B2B, FIS, M&I, or other like platforms

Knowledge of specialized analytical software such as: CRA Wiz, Lending Patterns, Risk Exec, or other like platforms

Advanced knowledge of federal and state banking laws and regulations

Advanced Computer skills (Excel, Database management)

Ability to work independently and as a team for collaboration when needed

Advanced attention to detail and quality, accurate, organized, and dependable

Leaderships skills: Decision Making, Problem Solving, and Managing Conflicts

Advanced communication skills (presentation and written)

Ability to train others

Certified Regulatory Compliance Manager (CRCM) preferred

Physical Requirements/Working Conditions:

Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.

 

Note:

This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.

Trustmark Bank does not accept unsolicited resumes from agencies and/or search firms for any job postings on this site.  Resumes submitted to any Trustmark Bank employee by a third-party agency and/or search firm without a valid, written search agreement signed by Trustmark, will become the sole property of Trustmark Bank.  No fee will be paid if a candidate is hired for a position as a result of an unsolicited agency or search firm referral.

 

EOE/M/F/V/D