Data Analyst, Home Lending, HMDA

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🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $91.5k - $126.4k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

📉 Data Analyst

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As we transitioned to being a public company, we’re now poised to leverage our domain expertise and revolutionize every aspect of lending and credit risk evaluation. We’ve recently expanded our offerings to include automobile refinancing and we plan to take on more verticals as the business grows.

📋 Description

• Manage HMDA and CRA data integrity reviews, including routine monitoring, exception tracking, and remediation. • Coordinate the annual HMDA Loan/Application Register (LAR) and CRA data submission processes. • Perform data validation and quality control testing to identify coding, completeness, and accuracy issues. • Partner with Compliance, Operations, Engineering, and other business teams to resolve data discrepancies. • Maintain documentation of data reviews, corrections, procedures, controls, and submission evidence. • Support regulatory exams, internal audits, compliance testing, and investor or management reporting related to HMDA and CRA. • Monitor regulatory changes and assist with updates to policies, procedures, training, and system controls. • Prepare periodic reporting for management on data quality trends, exceptions, corrective actions, and submission readiness.

🎯 Requirements

• 3-5 years of experience with HMDA and CRA data collection, reporting, or compliance reporting and monitoring. • Strong understanding of mortgage lending operations and regulatory data requirements. • Excellent analytical, organizational, and problem-solving skills. • Ability to work cross-functionally and manage deadlines in a highly regulated environment. • Proficiency with loan origination, compliance, or data reporting systems. • Prior experience preparing HMDA LAR or CRA submissions (preferred). • Familiarity with fair lending, mortgage compliance, or consumer lending compliance (preferred). • Experience supporting regulatory exams, audits, or compliance testing (preferred).

🏖️ Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Retirement benefits to help you plan for the future, including 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) with discounted stock purchase options for eligible employees (US only) • Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. • Health Savings Account contributions from Upstart for eligible plans (US only) • Income protection benefits, including life insurance and disability coverage for added financial security • Paid time off, sick leave, and company holidays, in line with local requirements • Paid family and parental leave to support caregiving and major life moments (duration varies by country) • Family-centered benefits to support fertility, parenthood, and caregiving needs • Employee Assistance Program (EAP) offering 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 to support your physical and emotional well-being and personal development, based on what matters most to you • Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from • Connection and community through team events, all-company updates, and employee resource groups (ERGs) • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)