CRA Officer

About the role

The CRA Officer manages the bank’s Large Bank CRA Compliance Program to ensure regulatory alignment and equitable credit access for low- and moderate-income (LMI) communities. Leveraging Kadince and NContracts, this role conducts spatial analytics, drives community lending strategies, and serves as the primary liaison for regulatory exams and community partnerships.

Responsibilities

• Data Analytics & System Management
  • System Administration: Manage CRA software (Kadince for activity logging; NContracts for analytics, peer benchmarking, and spatial mapping).
  • Assessment Area Optimization: Review branch networks and assessment area boundaries to evaluate coverage and identify expansion opportunities.
  • Lending Analytics: Evaluate mortgage, small business, and small farm penetration across markets; report key metrics to the Community Development Committee.
  • Data Governance & Filings: Oversee data collection, validation, and regulatory reporting for small business, small farm, and community development (CD) loans.
• Compliance Administration & Reporting
  • Strategic Planning & Self-Assessments: Maintain the CRA Strategic Plan and author annual Self-Assessments targeting at least a "Satisfactory" rating.
  • Board & Regulatory Filings: Present assessment area updates to the Board; manage public files (by April 1) and file an error-free CRA-LR (by March 1).
  • Audit & Exam Management: Serve as principal co-liaison with the Director of Compliance for internal CRA audits and federal examinations.
• Community Leadership & Program Development
  • Team & Activity Management: Supervise CD staff and ensure accurate tracking of CD loans, investments, grants, and volunteer hours in Kadince.
  • Community Initiatives: Partner with market leadership on local credit programs and FHLB Dallas community investment opportunities.
  • Outreach & Training: Review promotional materials for equitable LMI reach, coordinate employee volunteer/financial literacy initiatives (ABA/MBA), and co-lead annual Board training on CRA and Redlining.

Qualifications

Education & Experience: Bachelor’s degree with a minimum of 2+ years CRA experience at a Large Bank (>$1.564B assets) or equivalent at an Intermediate Bank ($391M–$1.564B). Regulatory agency experience (e.g., Federal Reserve) preferred.

Technical Expertise: Direct experience using CRA monitoring software (Kadince preferred) and CRA analytical/mapping platforms (NContracts preferred); deep knowledge of Regulation BB, Fair Lending, Redlining, and lending operations; proficiency in MS Office/Google Workspace.

Key Skills: Spatial/statistical data analysis, regulatory writing, leadership, and deadline management. Ability to travel occasionally across MS/AL and to national conferences.