CRA and Community Development Officer

Job Summary

The CRA & Community Development Officer is responsible for leading the Bank's enterprise-wide Community Reinvestment Act (CRA) and community development strategy across its assessment area within a five-state footprint.

This position serves as the Bank's subject matter expert and strategic leader for CRA, working closely with executive leadership, market presidents, branch and lending leaders, Compliance, Community Development, Marketing, and other business lines to ensure the Bank effectively identifies and addresses the credit and community development needs of the communities it serves.

The position is expected to function as the Bank's central point of coordination for CRA and community development strategy, while business lines and market leadership remain accountable for executing CRA-related activities within their areas of responsibility.

The Officer will also serve as a key advisor to senior management on CRA performance, emerging community needs, regulatory expectations, and opportunities to strengthen the Bank's community impact.

Key Responsibilities / Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


* Develop and execute the Bank's enterprise-wide CRA strategy, objectives, and annual operating plan.


* Establish CRA priorities for each assessment area based on local market conditions, demographic trends, community needs, lending opportunities, and regulatory expectations.


* Translate the Bank's CRA strategy into measurable objectives for lending, investment, and service activities.


* Partner with market and business-line leaders to integrate CRA objectives into business plans and market strategies.


* Analyze CRA performance throughout the year by assessment area, product, geography, business line, and CRA activity and proactively identify potential areas of concern.


* Provide senior management with regular reporting regarding CRA performance, trends, opportunities, and emerging risks.


* Serve as the primary enterprise subject matter expert on CRA and community development.


* Maintain continuous CRA exam readiness rather than relying solely on preparation immediately before an examination.

Coordinate CRA examination preparation, including responses to examiner requests and remediation of examination findings.


* Coordinate with Compliance to ensure CRA-qualified activities are appropriately identified, documented, categorized, and supported.


* Maintain processes to capture comprehensive inventory/documentation of CRA-qualified lending, investments, grants, donations, and community development services.


* Track regulatory developments and assess potential impacts to the Bank's CRA program.


* Partner with commercial, CRE, residential mortgage, small business, and specialty lending teams to identify lending, service, and investment opportunities that address community needs.
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