SUMMARY
This position is responsible for assisting with the management of the daily activities that may be directed primarily to CRA program responsibilities as well as with Compliance, and Risk programs. The qualified individual will work closely with various members of the bank to carry out the Bank’s Community Reinvestment Act (“CRA”) Program as well as with the Risk and Compliance team. The role reports to the CRA & Fair Lending Officer of the Bank.
This is a contributor role, requiring the candidate to deliver tactical execution of the Bank’s CRA and Risk and Compliance Programs.
ESSENTIAL DUTIES AND RESPONSIBILITIES
•Assist in oversite and updates to policy & procedures for compliance with the Community Reinvestment Act, Home Mortgage Disclosure Act, Fair Lending Act, ECOA, and CMS.
•Conduct ongoing data scrubbing & validation to fulfill technical CRA and HMDA reporting requirements.
•Conduct distribution analysis and create reports related to CRA and Fair Lending laws in alignment with regulatory requirements, performance targets, and FDIC examination procedures.
•Provide CRA and Compliance training and support to branch personnel to build awareness of the Bank’s community development risk initiatives.
•Participate in the Bank’s Enterprise Risk Committee the preparation of reported CRA, Risk and Compliance performance and activities.
•Responsible for assigned risk assessments on the bank’s ERM solution.
•Assist the Finance Department in researching and identifying Community Development investment opportunities.
•Provide expertise to Division/Regional Managers to assist in evaluation of grant requests from nonprofit organizations involved in affordable housing development, small business assistance, community revitalization and other community-building activities.
•Conduct outreach with community-based organizations and community leaders to promote Sunwest Bank’s community development initiatives and determine, on an ongoing basis, the credit needs of the communities served by Sunwest Bank.
•Work in partnership with CRA & Fair Lending Officer to distill and communicate relevant findings to senior management, on a quarterly basis, the results of lending, investments, and services to maintain a Satisfactory or better CRA rating in all assessment areas.
•Assist with preparation of CRA performance context as well as support the Compliance team that helps drive the Bank’s regulatory compliance risk mitigation strategies.
•Maintain CRA Public file in compliance with the regulation.
•Support and lead the Bank’s participation with community lending opportunities.
•Participate in community development forums and industry networks to maintain current understanding of community development issues and trends.
ADDITIONAL RESPONSIBILITIES
•Demonstrates high degree of professionalism in communication, attitude and teamwork with customers, peers and management
•Demonstrates high level of quality work, attendance and appearance
•Adheres to all Company Policies & Procedures and Safety Regulations
•Adheres to local, state and federal laws
•Understands and complies with all company rules and regulations
•Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, as they apply to your position and job responsibilities, with an emphasis on the BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT-Identity Theft, Information Technology and GLBA.
•Additional duties as assigned as it relates to the position
SUPERVISORY RESPONSIBILITIES
This position does not have supervisory responsibilities
MINIMUM QUALIFICATIONS
•Must have a minimum of two years experience in community reinvestment and/or equivalent experience.
COMPETENCIES:
•Adaptability
•Communication
•Decision Making
•Initiative
•Innovation
•Motivator
•Organization
•Professionalism
•Results Orientated
PHYSICAL DEMANDS: In general, the following physical demands are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job.
•Standing, walking and squatting less than fifty percent of the work shift
•Required to lift, move and carry up to 40 pounds
•Ability to read, count and write to accurately complete all documentation and reports
•Must be able to see, hear and speak in order to communicate with employees and other customers
•Specific vision abilities include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus
•Manual dexterity required using hands to finger; handle, feel and type; reach with hands and arms
WORK ENVIRONMENT: In general, the following conditions of the work environment are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job within the environment.
•The work space is clean, orderly, properly lighted and ventilated with the proper safety compliance
•Noise levels are considered moderate
