Fair Lending & CRA Compliance Program Analyst

Key Responsibilities And Duties

• Analyze & Regulatory Reporting
  • Develop, implement, and oversee the data analytics function supporting the Bank’s CRA and Fair Lending programs, including reporting, analysis, and data governance
  • Collaborate with CRA and Compliance Management to develop and communicate quantitative analyses supporting CRA and Fair Lending oversight, advising business units, and delivering insights through data-driven reports, visualizations, and presentations
  • Develops and maintains CRA trend and peer benchmarking analyses using internal and external programs, software or platforms (e.g., Rata Comply, CRA Wiz, Risk Exec, Kadince) to support ongoing performance monitoring and CRA examination readiness
  • Use advanced Excel and related tools to streamline workflows, integrate data sources, and ensure data accuracy
  • Analyze Community Development, HMDA, and CRA small business lending data to produce CRA performance reports. Utilize CRA/Fair Lending analytics tools to identify trends and potential disparities
  • Partner with Compliance Management to promote consistent application of regulatory requirements across lending, community development, reporting, and public file processes
  • Collaborate with HMDA Analyst to maintain strong data integrity including documentation support of identified issues, and remediation efforts in a clear, well supported manner to meet audit and regulatory expectations
• CRA & Fair Lending Programs
  • Maintain proficient knowledge of, and demonstrate ongoing compliance with all CRA and Fair Lending laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures, and internal controls, and meet all training requirements in a timely manner
  • Absorb and perform the annual CRA Performance Self-Assessment by compiling and maintaining detailed Lending, Investment, and Service Test documentation to support audit and exam readiness
  • Perform Fair Lending risk assessment activities by documenting risk factors, controls, detailed comparative file reviews and trend analysis. Track management responses, and remediation or follow-up actions
  • Document and track findings, recommendations, data integrity concerns, and remediation activities through completion, ensuring documentation is clear, accurate, and appropriately retained
• Documentation, Audit & Exam Readiness
  • Collaborate with Compliance Management and business units during regulatory examinations to resolve any questions related to analytical methodology or data integrity used in CRA/Fair Lending analysis
  • Track findings, recommendations, data integrity concerns, and remediation activities through completion, ensuring documentation is clear, accurate, and appropriately retained
  • Manage the annual review and maintenance of applicable compliance policies and procedures

Required Qualifications

• 3-5 years of supporting CRA, Fair Lending, or consumer compliance regulatory reporting within a financial institution
• Working knowledge of the Community Reinvestment Act (CRA), Home Mortgage Disclosure Act (HMDA), Equal Credit Opportunity Act (ECOA), Fair Housing Act related Fair Lending examination expectations
• Experience with compliance, CRA, HMDA, or Fair Lending software platforms
• Experience with data review, validation, and analysis in a regulatory environment
• Exhibit exceptional attention to detail, carefully and clearly documenting work to meet audit and regulatory expectations
• Strong analytical and technical skills data analysis, reporting, and compliance support (Excel, SharePoint, etc.)
• Demonstrate effective organizational, planning, and time management skills, with the ability to manage multiple priorities and meet deadlines in a dynamic, deadline-driven environment
• Communicate clearly and professionally, with experience presenting to management and committees, and collaborating effectively with cross-functional teams and business partners