What are the responsibilities and job description for the CRA Manager / Community Lending Officer position at Emigrant Bank?
Position : CRA Manager / Community Lending Officer
Department : Compliance / Emigrant Mortgage Company
Office Location : Florida - Miami or West Palm
Office Status : On-Site
Job Summary :
The CRA Manager is responsible for day-to-day mortgage originations with a keen focus on Emigrant's Community Reinvestment Act obligations and Low to Moderate Income borrowers in the Bank's footprint. This includes community outreach, assistance with new product introductions and training of sales staff representing multiple offices / locations.
Major Responsibilities and Duties :
- Promote and assist in the origination of all types of loans that the Bank offers including grants and other types of Government loans. Originate both CRA and LMI loans.
- Prepare and submit loan files for processing and final approval to the underwriting department.
- Ensure loans approved are submitted properly into the closing department and meet the guidelines of the specific programs.
- Develop relationships with community agencies that provide different product and service opportunities to better serve the community.
- Cultivate and develop new partnerships within the community through attending networking events. Attend trade shows, CRA / LMI meetings, training sessions, business roundtables, etc. in support of Emigrant's CRA / LMI products.
- Develop and maintain networks in order to establish business relationships that serve as a recurring sources of referrals and promotion of financial education. Attend and coordinate events relating to financial literacy and first time home buyer programs offered by community groups.
- Train and attend sales visits with other sales staff ensuring correct presentation of our CRA / LMI products.
- Provide regular productivity and progress reports to management.
- Identify and help to implement new opportunities to improve Emigrant's CRA / LMI initiatives.
Qualifications :
The job description outlined above is considered a core list of job duties / requirements. This document should not be considered a complete or comprehensive list. The incumbent assigned to this position is required to perform the duties listed above. The incumbent is also expected to adapt to changes and / or additions as needed. Nothing contained within this document is intended or shall be construed to create or constitute a contract of employment between any employee or group of employees and Emigrant Bank and its Subsidiaries. Emigrant Savings Bank and its Subsidiaries retain and reserve any and all rights to change, modify, amend, add to or delete from any section of this document as it deems, in its judgment, to be proper. Emigrant Savings Bank and its subsidiaries and affiliates are Equal Opportunity and Affirmative Action employers.
