CRA Officer

Responsibilities

• Lead and monitor the bank’s CRA program to support ongoing regulatory compliance and performance objectives.
• Review and analyze CRA, HMDA, ECOA, Fair Lending, and related consumer compliance activities to identify trends, risks, and opportunities for improvement.
• Partner with internal stakeholders to evaluate community development investments, donations, and service activities for CRA consideration and documentation.
• Support and coordinate regulatory examinations, internal audits, and compliance reviews, including preparation of responses and supporting documentation.
• Provide guidance, training, and subject matter expertise to business units on lending compliance requirements and regulatory expectations.
• Aid in developing, enhancing, and maintaining compliance policies, procedures, monitoring reports, and risk assessments.
• Prepare reporting and materials for management committees and help promote effective governance of CRA and consumer compliance initiatives.
• Review and respond to consumer complaints as needed.
• Review lending and other related advertising and marketing materials.
• Attend regulatory, professional/trade, and civic association meetings related to CRA/HMDA/ECOA/Fair Lending compliance.
• Act as a trusted compliance partner by helping address regulatory questions, consumer complaints, and emerging compliance matters.

Qualifications

• Education/Experience: Bachelor’s degree in Business (Finance, Economics or Accounting). 7+ years of experience directly related to CRA/HMDA/ECOA/Fair Lending compliance administration. 3+ years in a supervisory or managerial position.
• Extensive knowledge of consumer regulations, including but not limited to: Community Reinvestment Act, Home Mortgage Disclosure Act, Equal Credit Opportunity Act, Unfair and Deceptive Practices Act, Fair Housing Act, Fair Lending Interagency Statements, TRID, RESPA and TILA.
• Periodic travel may be required to the branches and to outside organizations. Combination of education and experience will be considered.

Skills & Competencies

• Proven ability to develop and manage community programs.
• Experience with managing the CRA Compliance Examination process and proactively engaging with regulators.
• Ability to use sound judgment and make critical decisions regarding CRA compliance with minimal supervision.
• Experience with data analysis and reporting.
• Knowledge of banking products and services.
• Ability to understand and implement job related policies and procedures.
• Strong familiarity with regulatory banking environment and banking regulations.
• Excellent verbal and written communication skills, interpersonal and organizational skills.
• Highly self-motivated, self-directed, and attentive to detail.
• Proficiency in MS Office Software (Excel, Word, Outlook, Power Point, and Teams).