Overview

The responsibilities of this position include supporting the Bank’s Community Reinvestment Act (“CRA”) Program. This position will support the program through assistance in maintaining Trustmark’s Satisfactory or better regulatory ratings that apply to the CRA Program. This senior compliance position combines knowledge and experience with CRA-related regulations to forecast regulatory standing through performance measurement as well as fair and responsible banking regulations to adequately support the program. It is responsible for identifying potential areas of concern to improve Trustmark’s internal controls and reduce risk exposure. This position also performs the data analysis required for the calculation of the evaluation measures, inclusive of retail lending distribution tests, general performance standards, and presumptive CRA ratings.

Responsibilities

Senior CRA Compliance Risk Analyst I

Monitor CRA activities (lending, service, and investments) conducted by all areas of the bank for accuracy, eligibility, and completeness
Examine first-line performance in CRA activities to determine if the line of business units or functional areas remain compliant with the CRA
Maintain accurate workpapers that clearly describe the work performed, qualifying documentation, results of monitoring/testing, and any analyses conducted
Deliver periodic reporting on performance to applicable committees and working groups
Identify gaps and recommend new or revised policies, procedures, or monitoring methods
Assist in developing and updating departmental procedures
Support change management project development and implementation
Proactively research and summarize new and existing relevant regulations or examination manuals for application to company policies and procedures using existing resources, tools, subscriptions and training courses
Support the CRA team and Fair and Responsible Banking and Compliance Department, as needed
Perform additional duties as assigned

Senior CRA Compliance Risk Analyst II

Assist in developing and calculating performance measurements using historical data, lending distribution tests, and other evaluation measures and enhanced reporting
Partner with CRA Management in determining the bank’s annual CRA training needs
Support the execution of the CRA Performance Context and self-assessment
Monitor CRA activities (lending, service, and investments) conducted by all areas of the bank for accuracy, eligibility, and completeness
Examine first-line performance in CRA activities to determine if the line of business units or functional areas remain compliant with the CRA
Maintain accurate workpapers that clearly describe the work performed, qualifying documentation, results of monitoring/testing, and any analyses conducted
Deliver periodic reporting on performance to applicable committees and working groups
Identify gaps and recommend new or revised policies, procedures, or monitoring methods
Assist in developing and updating departmental procedures
Support change management project development and implementation
Proactively research and summarize new and existing relevant regulations or examination manuals for application to company policies and procedures using existing resources, tools, subscriptions and training courses
Support the CRA team and Fair and Responsible Banking and Compliance Department, as needed
Perform additional duties as assigned

Qualifications

Senior CRA Complaince Risk Analyst I

Four-year degree or equivalent combination of education, training, or work experience.
Minimum four (4) years of experience in compliance, audit, risk management, or an analytical role in a midsize bank or larger.
Demonstrated knowledge of fair and responsible lending/banking with proficiency in applying these principles
Thorough knowledge of bank operations
Strong Microsoft Office skills
Ability to pass an intermediate Excel test
Word formatting and graphics
PowerPoint presentation
Strong attention to detail, accuracy, and adherence to deadlines
Excellent verbal, written, and interpersonal communication skills
Superior organizational and planning skills
Ability to exercise sound judgment and work independently

Preferred:

CRA, UDAAP, or Fair Lending experience preferred

Senior CRA Complaince Risk Analyst II

Minimum six (6) years of experience in compliance, audit, risk management, or an analytical role in a midsize bank or larger
Strong knowledge of fair and responsible lending/banking with demonstrated proficiency in applying these principles
Thorough knowledge of bank operations
Advanced Microsoft Office skills
Ability to pass an intermediate Excel test
Word formatting and graphics
PowerPoint presentations
Advanced research, critical thinking, and analytical skills
Advanced attention to detail, accuracy, and adherence to deadlines
Excellent verbal, written, and interpersonal communication skills
Superior organizational and planning skills
Ability to exercise sound judgment and work independently
CRA, UDAAP, or Fair Lending experience preferred
CRCM, CRACP, or equivalent relevant certification preferred

Physical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.

Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.

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