CRA/Fair Lending Officer

EXPERIENCED AS A BANK CRA OFFICER, LENDING OFFICER OR CRA OFFICER WORKING FOR A NON-PROFIT ORGANIZATION.

POSITION SUMMARY

The Community Reinvestment Act (“CRA”) and Fair Lending Officer is responsible for the implementation and oversight of the Bank’s CRA and Fair Lending Compliance Programs.

Reasonable Accommodations Statement

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable Accommodations may be made to enable qualified individuals with disabilities to perform the essential functions

ESSENTIAL FUNCTIONS

· Develop, enhance and oversee the Bank’s relationships with new and existing CRA outreach partners. Ensure that relationships and volunteer activities are CRA-qualified. Track CRA volunteer hours and donations.

· Collaborate and strategize with lending personnel and outreach partners to increase mortgage application volume received in targeted Low-to-Moderate Income census tracts.

· Assist commercial lenders with the identification and tracking of community development loans.

· Perform annual Fair Lending Risk Assessment.

· Perform Fair Lending Self-Assessments and arrange third-party performance reviews of HMDA data.

· Prepare periodic QuestSoft Management Information Reports (HMDA/CRA/Fair Lending) for Board of Directors and Executive Leadership.

· Conduct Peer Analysis and Matched Pair Analysis on QuestSoft.

· Perform second reviews of denied / withdrawn loans.

· Chair CRA/Fair Lending Committee meetings and associated sub-committees (i.e., UDAAP and Allentown Lending Initiative). Maintain meeting minutes. Participate in Compliance Committee and Strategic Marketing and Outreach Committee meetings.

· Monitor CRA Investments.

· Perform quarterly CRA data scrubs in connection with CRA LAR filings.

· Perform quarterly HMDA data scrubs in connection with the HMDA LAR filings.

· Maintain comprehensive policies for Fair Lending, Community Reinvestment Act and UDAAP.

· Maintain quarterly HMDA and CRA metrics for compliance Dashboard.

· Perform annual Fair Lending – UDAAP – CRA – HMDA employee training.

· Handle formal and informal customer complaints involving Fair Lending, CRA and/or UDAAP.

· Perform special projects as assigned by the SVP / Compliance Officer.

· Provide supervision of the Bank’s Assistant CRA Officer.

· Serve as liaison to Senior Management for applicable regulatory consumer violations.

· Coordinate CRA and Fair Lending Regulatory Examinations, and ongoing work relationships with Federal Examiners.

· Prepare and present to Senior Management a periodic summary of the effectiveness of the Bank’s CRA and Fair Lending Program.

· Assist in developing sound loan programs designed to meet the credit and housing needs of the Bank’s communities.

· Assist in the development of new products to ensure that the Bank’s deposit products and other financial services are designed to meet the needs of the Bank’s communities.

· Provide input regarding fair lending/CRA/UDAAP concerns relevant to the products and services currently offered by the Bank; and changes to these products and services.

· Develop a library of CRA and Fair Lending resources. Collect and distribute information related to these topics to appropriate staff. Provide informational assistance to loan officers, branch personnel, management, auditors, and community groups.

SKILLS & ABILITIES

Education: Bachelor's Degree (four year college or university) or equivalent working experience

Experience : Three to seven years related experience

Computer Skills

Microsoft Windows including Word, Excel, Internet Explorer, Outlook, Knowledge of QuestSoft Compliance Relief a plus

Certificates / Licenses / Training

Will be required to complete online banking training courses as directed by management.

Other Requirements

Knowledge of Community Reinvestment Act, Fair Lending Regulations, Home Mortgage Disclosure Act, banking services, policies, and procedures. Knowledge of relevant state, federal, and other government agency laws and regulations for financial institutions.

Job Type: Full-time

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• Monday to Friday

Education:

• Bachelor's (Required)

Experience:

• Fair Housing regulations: 3 years (Required)
• CRA: 3 years (Required)
• Banking: 3 years (Preferred)

Ability to Commute:

• Gilbert, PA 18331 (Required)

Work Location: In person