CRA and Fair Banking Officer

Summary:

The CRA and Fair Banking Officer is responsible for First United Bank & Trusts CRA and Fair Banking program management and stakeholder engagement. The position will report directly to the Chief Culture and Communications Officer and will operate in close collaboration with the Compliance Department through a strong relationship to ensure alignment consistency and effective execution across the organization. This leadership role includes leading team members to support model management data analytics and ongoing program execution with each community bank and applicable business line. The role encompasses driving performance strategies for Lending Investments and Services within the Banks enterprise strategy risk appetite and community impact objectives.

Major Duties and Responsibilities (Essential Functions)

Strategic Leadership

Lead the ongoing maturity execution and enhancement of the CRA and Fair Banking programs

Align CRA and Fair Banking/Lending initiatives with business strategy

Establish monitor and report performance metrics tied to program objectives

Oversee program performance and lead community needs assessments and analysis

Establish a strong partnership with the Compliance Department to drive alignment consistency governance and effective execution of CRA and Fair Banking strategies across the organization.

Program Management

Oversee lending investments and services performance against program goals and regulatory expectations

Direct team priorities and resources to monitor program performance produce meaningful analytics and recommend adjustments in partnership with Compliance and business leaders

Champion community partnerships and needs assessments through our Spend Life Wisely Ambassadors

Evaluate products and practices for fairness

Governance Reporting & Regulatory Engagement

Serve as FUBs CRA and Fair Banking Officer working closely with the Compliance Department regulators and examiners on program governance execution and ongoing effectiveness

Prepare deliver and effectively communicate reports for Committees Executive Leadership and Board

Support exams and audits

Monitor findings and corrective actions

Cross-Functional Integration

Partner closely with Compliance community banks and business lines to align strategy execution and issue resolution across CRA and Fair Banking activities

Champion CRA and Fair Banking culture aligned to the Banks Purpose and Values

Additional Duties and Responsibilities

Complete all required Workday learning on an annual basis.

Adherence to all First United Policies and Procedures.

Perform other duties as assigned

Employee Specifications

To perform this job successfully an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Education and Work Experience

Bachelors degree or equivalent Compliance CRA Fair & Responsible Banking/Lending experience.

Strong knowledge of CRA program requirements Fair Lending and other associated regulations including Regulation B/Equal Credit Opportunity Act Fair Housing Act and Home Mortgage Disclosure Act

Minimum of 7 years of Compliance experience with at least 5 years of concentration in CRA and Fair Lending including experience leading teams and driving enterprise-wide execution through cross-functional partnership

Experience with regulatory examinations

CRACP and/or CRCM designation.

Technical/Functional Competencies

Strategic thinking

Strong written and verbal communication skills with the ability to lead through influence build alignment in a cross-collaborative environment and partner effectively with Compliance and business leaders

Strong cross-functional collaboration and people leadership skills including the ability to develop team capability and coordinate effectively across multiple stakeholders

Strong problem solving and analytical thinking skills

NOTE: This job description is not intended to be all-inclusive. Employees may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

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