What are the responsibilities and job description for the Capital City Home Loans CRA Community Development Lender - Tallahassee position at Capital City Bank?
CRA Community Development Lender - Capital City Bank - More Than Your Bank, Your Banker.
Hours Mon- Fri 40 Hours
General Summary
The CRA Community Development Lender is responsible for originating and managing residential mortgage and small business loans in support of the Enterprise Fair Lending and Community Reinvestment Act (CRA) programs. This role is responsible for identifying and cultivating lending opportunities that promote economic development, affordable housing, and small business growth in Majority Minority and/or Low and Moderate Income (LMI) communities to benefit loan production for Capital City Home Loans and Capital City Bank.
In compliance with the S.A.F.E. Act, registration in the NMLS Registry is required.
All associates at Capital City Bank and Capital City Home Loans have access to confidential client information and must practice discretion at all times.
Principal Duties and Responsibilities
1. Community Outreach and Relationship Building
- Collaborate with the Community Reinvestment Act Strategist to develop and maintain relationships with community organizations, nonprofits, housing agencies, small business development centers, and other stakeholders to generate CRA-eligible lending opportunities.
- Actively participate in community meetings, workshops, and other events to promote the Bank’s lending products and CRA initiatives in response to the Bank’s Fair Lending and CRA response action plans in all identified areas of opportunity.
- Actively participate in the marketing, planning, organizing community meetings, workshops, and other events to promote the Bank’s lending products and CRA initiatives in response to the Bank’s Fair Lending and CRA response action plans in all identified areas of opportunity.
- Actively partner with the Compliance division in support of the Bank’s Fair Lending and CRA response action plans in all identified areas of opportunity
2. Lending Activities
- Originate residential mortgages and small business loans in response to the Enterprise’s Fair Lending and CRA action plans, focusing on LMI borrowers and communities.
- Work closely with CCHL’s Mortgage staff and CCB Revenue team to increase loan production.
- Develop and implement strategies to increase lending in underserved markets, including outreach to realtors, developers, small business owners, and community organizations.
- Collaborate with internal teams to ensure all loans comply with CRA regulations and Bank credit policies and support the Bank’s Fair Lending and CRA response action plans in all identified areas of opportunity.
3. Pipeline Management and Loan Origination
- Manage the loan pipeline, ensuring timely processing, underwriting, and closing of loans to meet monthly and quarterly goals.
- Prepare loan packages, present credit recommendations, and work closely with underwriters to facilitate loan approvals.
- Track loan performance and ensure proper documentation and reporting of Minority and CRA-eligible loans.
4. Customer Service and Guidance
- Provide guidance to borrowers throughout the lending process, ensuring they understand loan options, terms, and requirements.
- Conduct financial education sessions and support LMI borrowers and small business owners, helping them navigate the lending process successfully as depicted by the Bank’s Fair Lending and CRA response action plan.
5. Regulatory Compliance and Reporting
- Track all meetings, workshops, and other outreach events as directed to the Bank’s Fair Lending and CRA response action plans in all identified areas of opportunity.
- Ensure all loans meet CRA regulatory requirements and are properly documented and reported for CRA credit.
- Collaborate with the CRA Officer and compliance team to prepare for audits and regulatory exams related to Fair Lending and CRA lending activities.
6. Sales and Performance Goals
- Meet or exceed individual sales goals for Fair Lending and CRA-eligible residential mortgages and small business loans.
7. Training and Education
- Attend training sessions and stay informed on required Regulatory Compliance, Fair Lending and CRA regulations, and Mortgage and Small Business underwriting policies and procedures.
- Educate internal and external partners in support of the Bank’s Fair Lending and CRA lending programs and initiatives.
Employer determines the essential functions of the job.
All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT (smile, greet, name, name, thank you) at all times. Associates will consistently follow policies and procedures as established by Capital City Bank and Capital City Home Loans, with department managers setting the standard.
Associated Duties
Ancillary duty entails deposit solicitation and gathering, particularly with CRA qualified borrowers. In some cases, working in conjunction with Treasury Management may be necessary for small business clients.
Provides additional support to manager and department colleagues.
Completes all assigned/required Bank training within established timelines.
Knowledge, Skills and Abilities (KSAs) Required
The following KSAs are usually acquired through work experience and/or specialized course(s):
- Minimum of 3-5 years of experience in residential mortgage or small business lending, with a focus on community development and CRA-eligible loans.
- Proven track record of originating loans in Majority Minority and LMI communities and a strong understanding of CRA lending requirements.
- Excellent sales, communication, and relationship-building skills.
- Proficiency in mortgage and lending software, CRA data analysis tools, and Microsoft Office Suite.
- Ability to work independently and manage multiple tasks in a fast-paced environment.
Education
- Bachelor’s degree in finance, business, real estate, or a related field required. Relevant experience may substitute for the education requirement. Minimum 5 years of industry experience and documented success will be considered in lieu of education.
Working Conditions
1. Professional office and fast-paced environment.
2. After hours civic and business development participation will be required.
3. Frequent out-of-office visits to clients.
4. Limited travel to surrounding markets
5. Driving as required by position.
6. In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity.
Capital City Bank associates are our greatest asset. We offer the following benefits
- Medical, Dental and Vision
- Life Insurance
- 401(k) with Matching
- Flexible Spending Accounts
- Tuition Assistance
- Stock Purchase
- Discounts on Products and Services
EOE/Protected Veterans/Disabled/Drug Free
The above declarations are not intended to be an “all-inclusive” list of the duties and responsibilities of the job described nor are they intended to be such a listing of the skills and abilities required to do the job. Rather, they are intended only to describe the general nature of the job.
THIS JOB DESCRIPTION DOES NOT CONSTITUTE AN EMPLOYMENT AGREEMENT. This job description does not restrict Capital City Bank and Capital City Home Loans from the ability to assign, reassign or eliminate duties and responsibilities of this job at any time. This job description describes the current assignment of essential functions. These functions may change at any time as the needs of the Bank or department change or for other reasons deemed appropriate.
Experience
Preferred- Please indicate work experience when applying
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
