Quality Assurance, HMDA Specialist

Mechanics Bank

Quality Assurance and HMDA Specialist ensuring compliance with mortgage regulations at Mechanics Bank. Collaborating with teams on data integrity and conducting loan reviews.

Posted 5/21/2026full-timeLynnwood • California • 🇺🇸 United StatesMid-LevelSenior💰 $26 - $48 per hourWebsite

About the role

Key responsibilities & impact

Collect and validate mortgage loan data to ensure accuracy and completeness in accordance with HMDA requirements
Perform risk analysis, data integrity and make decisions regarding deficiencies identified during the review process
Review and analyze mortgage applications, credit reports, appraisal, income and asset documents to determine accuracy and completeness per guideline requirements
Ensure that deficiencies captured during the review process are corrected and clearly documented providing a thorough audit trail
Conduct Pre-funding and Funding reviews of all types of residential loans (Conventional, FHA & VA) and be responsible for ensuring that loans originated are in compliance with Bank’s and investor requirements as set forth in the Bank’s Quality Assurance Pre-Funding and Funding Policies and Procedures
Prepare and submit HMDA reports to Compliance team, ensuring timely and accurate submissions
Monitor and review loan files for HMDA compliance, identifying and addressing any discrepancies or issues
Provide training and support to internal teams on HMDA requirements and best practices
Assist Compliance team with related questions, providing necessary documentation and information
Develop and maintain policies and procedures related to HMDA compliance, ensuring they are up-to-date and in line with regulatory changes
Work closely with various departments, including underwriting, fulfillment, sales and compliance, to ensure data integrity and compliance with HMDA requirements

Requirements

What you’ll need

High School or GED required
3 years minimum Mortgage and Consumer Lending; HMDA compliance required
Additional experience may be considered in lieu of degree
Strong understanding of HMDA regulations and reporting requirements
Excellent analytical thinking and problem-solving research and stress management skills
Detail-oriented with strong organizational skills
Effective communication and interpersonal skills
Proficiency in mortgage software such as Encompass, HMDA Wiz and Microsoft Office Suite
Must be effective in presenting information to small and large groups
Ability to work effectively without direct supervision

Benefits

Comp & perks

Medical, prescription, dental, and vision coverage for employees and their eligible family members
Employer paid Employee Assistance Program, Life Insurance, AD&D, and Disability benefits
Health Savings Account with employer contribution
Healthcare and Dependent Care Flexible Spending Accounts and Commuter/Parking Benefit
401(k) and Roth 401(k) with company contribution
529 Education Savings plan, Tuition Reimbursement Program and Student Loan Assistance Program
Supplemental Health plans, Voluntary Legal and Identity Theft Services
11 paid holidays, paid Sick days (accrual of one hour for every 30 hours worked), up to 25 paid vacation days, and 16 hours of paid volunteer time throughout the calendar year
Free personal checking and savings account; Discounted rates on primary residence loan with $0 origination fees (restrictions apply)

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

mortgage loan data validationrisk analysisdata integrityHMDA compliancepre-funding reviewsfunding reviewspolicy developmentreport preparationdocumentationanalytical thinking

Soft Skills

problem-solvingdetail-orientedorganizational skillseffective communicationinterpersonal skillsstress managementtraining and supportpresentation skillsindependent workcollaboration