Community Reinvestment Act (CRA) Officer

Join our team as a Community Reinvestment Act (CRA) Officer and lead the charge in fostering community growth and compliance excellence. You'll oversee a dynamic CRA program, ensuring we meet regulatory standards while addressing the needs of low- and moderate-income individuals within our assessment areas. Your role will be pivotal in maintaining our Satisfactory or better CRA rating and driving our commitment to community development.

About the Role: What You’ll Do:

• Risk Reduction & Efficiency: Identify opportunities to minimize risk and enhance operational efficiency.
• Reporting: Keep senior management and committees informed with timely reports on CRA efforts.
• Committee Participation: Contribute to Fair Banking Committee meetings and lead the CRA Task Force.
• Regulatory Updates: Stay updated on new regulations and coordinate changes with management.
• Policy Development: Create and monitor policies to ensure CRA compliance.
• Vendor Management: Ensure vendor functions are effectively tested.
• Training: Develop and deliver impactful CRA training programs.
• Data Management: Maintain accurate CRA data and report to regulatory agencies.
• Self-Assessment: Conduct periodic self-assessments to identify potential gaps.
• Performance Monitoring: Track and report key performance and risk indicators.
• Assessment Area Review: Ensure our assessment area is inclusive and non-discriminatory.
• Risk Assessments: Maintain and update risk assessments based on changes.
• Documentation: Document CRA qualified investments, donations, loans, and volunteer hours.
• Community Outreach: Identify and address community needs within our assessment area.
• Collaboration: Work with various teams to identify investment opportunities and community involvement.
• Product Development: Assist in creating loan programs and new products for community financial security.
• Program Updates: Annually update the CRA program and recommend targets.
• Internal Resources: Maintain the internal CRA landing page for employee resources.
• Examinations & Reviews: Coordinate regulatory examinations and internal reviews.
• Performance Evaluation: Review and analyze CRA Performance Evaluations.
• Compliance: Implement corrective actions for compliance deficiencies.
• Team Leadership: Manage and develop direct reports, including performance evaluations and training.
• General Support: Serve as a resource for compliance questions and assist with budget and strategic planning.

What We’re Looking For:

• Experience: Minimum of 5 years in regulatory compliance of banking laws and regulations or related experience.
• Education: Bachelor’s degree or professional certification (Certified Regulatory Compliance Manager) preferred.
• Required Skills:
  • In-depth knowledge of state and federal banking laws and regulations (e.g., CRA, HMDA, ECOA, FHA, SCRA, UDAAP).
  • Strong communication, analytical, and project management skills.
  • Leadership and relationship management abilities.
  • Proficiency in CRA, HMDA, and Fair Lending software; excellent MS Word, Excel, and PowerPoint skills.
  • Data analysis experience is a plus.
  • Excellent judgment and problem-solving skills.
  • Detail-oriented and well-organized.
  • Experience in staff management and audits.
  • Collaborative team player.
  • Willingness to travel as needed.

Supervisory Responsibility

This position includes managing employees, focusing on their coaching, development, and performance management.

Working Environment and Physical Demands

• Location: United Community Headquarters (United Center) in Greenville, SC.
• Schedule: Flexibility to work evenings and weekends as needed.
• Travel: Up to 20% travel required.

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.