CRA Officer

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

📋 Description

• Oversee and assess the bank’s Community Reinvestment Act (CRA) program to ensure ongoing regulatory compliance and meet performance goals.

• Examine and evaluate CRA, Home Mortgage Disclosure Act (HMDA), Equal Credit Opportunity Act (ECOA), Fair Lending, and associated consumer compliance activities to uncover trends, risks, and areas for enhancement.

• Collaborate with internal partners to assess community development investments, donations, and service activities for CRA evaluation and documentation.

• Facilitate and coordinate regulatory examinations, internal audits, and compliance assessments, including the preparation of responses and supporting materials.

• Offer guidance, training, and subject matter expertise to business units on lending compliance obligations and regulatory expectations.

• Assist in the development, enhancement, and maintenance of compliance policies, procedures, monitoring reports, and risk assessments.

• Create reports and materials for management committees, helping to promote effective governance of CRA and consumer compliance initiatives.

• Review and address consumer complaints as necessary.

• Evaluate 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 reliable compliance partner by addressing regulatory inquiries, consumer complaints, and emerging compliance issues.

⛳️ Requirements

• 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 role.

• In-depth 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.

• Occasional travel may be necessary to branches and external organizations.

• A combination of education and experience will be taken into account.

• Demonstrated ability to develop and manage community programs.

• Experience managing the CRA Compliance Examination process and engaging proactively with regulators.

• Capable of exercising sound judgment and making critical decisions regarding CRA compliance with minimal oversight.

• Familiarity with data analysis and reporting.

• Understanding of banking products and services.

• Ability to comprehend and implement job-related policies and procedures.

• Strong familiarity with the regulatory banking environment and banking regulations is essential.

• Excellent verbal and written communication skills, along with strong interpersonal and organizational abilities.

• Highly self-motivated, self-directed, and detail-oriented.

• Proficient in MS Office Suite (Excel, Word, Outlook, PowerPoint, and Teams).

🏝️ Benefits

• None