CRA Officer

Ocean Bank is looking for a relationship-driven CRA Officer to lead the banks Community Reinvestment Act (CRA) compliance strategy and support a strong culture of regulatory excellence. This is an opportunity for a compliance professional who thrives in a dynamic banking environment and brings expertise in CRA Fair Lending HMDA ECOA and consumer compliance. The CRA Officer partners with leadership and cross-functional teams to monitor performance strengthen controls support examinations and audits and help advance the banks community development and compliance objectives. The ideal candidate is analytical proactive collaborative and passionate about balancing regulatory compliance with meaningful community impact.

• Lead and monitor the banks CRA program to support ongoing regulatory compliance and performance objectives.
• Review and analyze CRA HMDA ECOA Fair Lending and related consumer compliance activities to identify trends risks and opportunities for improvement.
• Partner with internal stakeholders to evaluate community development investments donations and service activities for CRA consideration and documentation.
• Support and coordinate regulatory examinations internal audits and compliance reviews including preparation of responses and supporting documentation.
• Provide guidance training and subject matter expertise to business units on lending compliance requirements and regulatory expectations.
• Assist in developing enhancing and maintaining compliance policies procedures monitoring reports and risk assessments.
• Prepare reporting and materials for management committees and help promote effective governance of CRA and consumer compliance initiatives.
• Review and respond to consumer complaints as needed.
• Review lending and other related advertising and marketing materials.
• Responsible for attending regulatory professional/trade and civic association meetings held related to CRA/HMDA/ECOA/Fair Lending compliance.
• Serve as a trusted compliance partner by helping address regulatory questions consumer complaints and emerging compliance matters.

Education/Experience:

Requirements

1. Bachelors degree in Business (Finance Economics or Accounting).
2. 7 years of experience directly related to CRA/HMDA/ECOA/Fair Lending compliance administration.
3. 3 years in a supervisory or managerial position
4. Extensive knowledge of consumer regulations including but not limited to: Community Reinvestment Act Home Mortgage Disclosure Act Equal Credit Opportunity Act Unfair and Deceptive Practices Act Fair Housing Act Fair Lending Interagency Statements TRID RESPA and TILA.
5. Periodic travel may be required to the branches and to outside organizations.

Combination of education and experience will be considered.

Skills & Competencies

1. Proven ability to develop and manage community programs.
2. Experience with managing the CRA Compliance Examination process and proactively engaging with regulators.
3. Ability to use sound judgment and make critical decisions regarding CRA compliance with minimal supervision.
4. Experience with data analysis and reporting.
5. Knowledge of banking products and services.
6. Ability to understand and implement job related policies and procedures.
7. Must have strong familiarity with regulatory banking environment and banking regulations.
8. Must possess excellent verbal and written communication skills interpersonal and organizational skills.
9. Highly self-motivated self-directed and attentive to detail.
10. Proficiency in MS Office Software (Excel Word Outlook Power Point and Teams).

Preferences

• None

Licenses/Certifications

• None