Data Analyst, Home Lending, HMDA

This is a fully remote position, open to applicants in United States.

📋 Description

• Oversee the integrity reviews of HMDA and CRA data, which encompass routine monitoring, exception tracking, and remediation efforts.

• Facilitate the annual submission processes for the HMDA Loan/Application Register (LAR) and CRA data.

• Conduct data validation and quality control testing to pinpoint issues related to coding, completeness, and accuracy.

• Collaborate with Compliance, Operations, Engineering, and other business units to address data discrepancies.

• Keep thorough documentation of data reviews, corrections, procedures, controls, and evidence of submissions.

• Assist in regulatory exams, internal audits, compliance testing, and reporting for investors or management concerning HMDA and CRA.

• Track regulatory changes and aid in updates to policies, procedures, training, and system controls.

• Generate periodic reports for management outlining data quality trends, exceptions, corrective actions, and readiness for submissions.

⛳️ Requirements

• 3-5 years of experience in HMDA and CRA data collection, reporting, or compliance monitoring and reporting.

• Strong grasp of mortgage lending operations and the regulatory data requirements involved.

• Exceptional analytical, organizational, and problem-solving abilities.

• Capability to work across functions and meet deadlines in a highly regulated environment.

• Proficient in loan origination, compliance, or data reporting systems.

• Previous experience in preparing HMDA LAR or CRA submissions is preferred.

• Familiarity with fair lending, mortgage compliance, or consumer lending compliance is preferred.

• Experience in supporting regulatory exams, audits, or compliance testing is preferred.

🏝️ Benefits

• Competitive compensation that includes base pay, bonus opportunities, and annual equity grants that vest quarterly.

• Retirement benefits designed to help you plan for the future, featuring a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada).

• Employee Stock Purchase Plan (ESPP) providing discounted stock purchase options for eligible employees (US only).

• Comprehensive health coverage tailored to support you and your family, including medical, dental, vision, and wellness resources for the US, along with supplemental health coverage for Canada.

• Health Savings Account contributions from Upstart for eligible plans (US only).

• Income protection benefits, such as life insurance and disability coverage for enhanced financial security.

• Paid time off, sick leave, and company holidays in accordance with local regulations.

• Paid family and parental leave to assist with caregiving and significant life events (duration varies by country).

• Family-oriented benefits to support fertility, parenthood, and caregiving requirements.

• Employee Assistance Program (EAP) providing mental health support and life-centered resources.

• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only).

• Annual wellness allowance aimed at enhancing your physical and emotional well-being and personal development, based on your priorities.

• Annual productivity allowance to invest in necessary tools and resources for optimal performance, regardless of your work location.

• Opportunities for connection and community through team events, company-wide updates, and employee resource groups (ERGs).

• Onsite perks, such as catered lunches and fully stocked micro-kitchens available at our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).