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Posted: Monday, September 25, 2017 8:08 PM

Job Description:/h3:
POSITION SUMMARY:
This position is responsible for developing, implementing and administering all aspects of the Banks Community Reinvestment Act (CRA) Compliance Program so that the goals of meeting the credit needs of the communities the Bank serves, including low and moderate income neighborhoods, are met. The CRA Officer develops and implements programs to ensure the Bank meets the needs of the community and attains CRA compliance goals and acceptable federal examination ratings.

ESSENTIAL FUNCTIONS:

CRA Compliance: 60
Serve as the Banks CRA Officer.
Responsible for the collection of all CRA data, including but not limited to: working with the Banks CFO regarding CRA qualified investments, all HMDA loan data, all CRA qualified community support donations and all employee hours donated in support of our community.
Coordinate, document and review lending, investment and service activity related to the requirements of the CRA Act.
Serves as the Banks principle liaison with external CRA compliance auditors, examiners and regulators.
Maintain relevant CRA reports and files such as the public CRA file including data and documentation.
Prepare, analyze and monitor the Banks statistics to determine adequate loan penetration of low and moderate income households and small businesses.
Work with the Banks various departments to develop lending, investment, and service programs that help meet the lending needs of low and moderate income households.
Design and develop a risk based action plan framework around the laws, regulations and issues relating to CRA, Fair Lending, Home Mortgage Disclosure Act (HMDA), Fair Housing Act (FHA) and other regulations as applicable.
Monitor the Banks CRA performance and suggest program modifications and improvements.


Community Outreach: 20
Represent the Bank in appropriate forums for community outreach and lending opportunities.
Manage the Banks CRA database for collection of volunteer hours and donations including determination of CRA eligibility.
Assist in developing sound loan programs designed to meet the credit and housing needs of the Banks communities.
Assist in the development of new products to ensure that the Banks lending programs, deposit products and other financial services are designed to enable the Banks community to purchase businesses and build financial security.
Responsible for handling any verbal or written complaint(s) received that impacts the Banks CRA performance and issuing a response to the complaint.

Training: 10
Act as the key educational resource for all departments on affordable products, guidelines and outreach while offering to be a resource for their clients.
Work with Learning and Development to develop formal bankwide CRA training.
Build awareness and provide training to Retail and Marketing to promote affordable products and marketing collateral.
Develop a library of CRA resources. Collect and distribute information related to the CRA and other topical subjects to appropriate staff. Provide informational assistance to loan officers, branch personnel, Management and the Board of Directors.

Non:Essential Functions: 10
Perform special projects and research as assigned.
Perform other duties as assigned.


MINIMUM QUALIFICATIONS
Core Job Specific Competencies:
Analytical Thinking: Divides an object or issue into its component parts in order to understand how they interrelate; recognizes cause and effect relationships; considers several explanations/plans and makes logical conclusions.
Change Management: Handles change proactively; supports changes intended to improve the Banks effectiveness; helps employees anticipate and plan for the effects of change, and adjust to new roles, challenges, and expectations.
Influence: Gains cooperation, support, commitment, and action for ideas, proposals,

Source: https://www.tiptopjob.com/jobs/71846297_job.asp?source=backpage


• Location: North Bay

• Post ID: 81380412 northbay
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