CRA Officer Job at Bell Bank, Fargo, ND

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  • Bell Bank
  • Fargo, ND

Job Description

This position is responsible for the development, implementation and administration Bell Bank's Community Reinvestment Act (CRA) program. This position will provide subject matter expertise to all areas of the bank on CRA matters and support management in meeting the bank's CRA goals. This position will also provide the Executive Management with information to evaluate risk and performance to support Bell Bank's CRA strategic initiatives. Primary Duties: Oversee all community reinvestment activities. Assist Executive Management in developing strategies and business solutions to address community banking needs or to enhance the bank's performance. Work with management to design and implement a CRA program that complies with new and existing CRA regulations. Monitor industry and regulatory trends as well as changes in laws and regulations as they affect Bell Bank's CRA program. Distribute CRA-related information to the affected managers and ensure management implements changes. Perform periodic CRA analysis providing key performance indicators that assist executive management in directing a strategy that enhances the bank's CRA performance. Analyses may include statistical analysis, redlining reviews and other analysis types. Assist with the development of written policies and procedures to guide the Bank's community efforts and CRA regulatory compliance, including but not limited to the CRA Policy and Branch Closing Policy. Coordinate CRA data collection activities. Direct and manage Bell Bank's compliance with the technical requirements of the CRA and related requirements, including public files, lobby posters and reporting of CRA-related data. Monitor consumer complaints for CRA related concerns, provide recommended guidance for investigating allegations. Support business line management in the development and implementation of new or modified products, services and/or delivery systems to enhance CRA performance. Develop and maintain CRA training program. Monitor to ensure training is completed by employees in a timely manner. Co-lead a CRA focused Committee and / or Working Group Coordinate CRA examination request letter responses and serve as the bank's liaison and point person during CRA examinations. Ensure appropriate corrective action is taken to address examination recommendations. At the direction of the Fair Banking Manager, may be asked to provide work direction to CRA Analyst(s). Know by name and face as many customers and employees as possible, calling them by name as often as possible. Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards. Know, understand, and live the company values and bottom line. Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations. All employees are responsible for information security, including compliance with policies and standards which protect sensitive information. Perform other duties as assigned. Job Skills Required: Five years of relevant work experience within a financial regulatory agency or a financial services institution, or a Juris Doctor with three or more years of post-law school work experience, with at least one year of experience in CRA. Strong knowledge and understanding of CRA as well as other consumer lending compliance laws and regulations such as ECOA, HMDA, FHA, and UDAAP, and related bank compliance examination procedures. Strong knowledge of financial services and products and able to identify community development services as defined by the CRA. Detail oriented and able to manage multiple priorities and deadlines simultaneously. Excellent verbal and written communication skills. Strong interpersonal, collaboration and advocacy skills. Demonstrated leadership skills. Strong analytical skills; advanced Excel skills and experience with CRA Wiz preferred. Ability to work independently and as a member of a team. Strong problem-solving, project management, and research skills. Due to the nature of the risk management function, must maintain a high level of confidentiality at all times. Bell Bank

Job Tags

Work experience placement,

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