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Full-Time
Duties and Responsibilities: • Monitor policies, procedures and
practices to ensure adherence to the technical requirements applicable to CRA
reporting requirements.
• Periodic review of Bank's assessment
area to ensure reasonableness of the delineation. This includes reviewing
branch distribution in the Bank’s assessment area.
• Update CRA Public File annually by
April 1st.
• Oversee and coordinate CRA Committee
meetings.
• Ensure CRA qualified investments and
donations, HMDA, small business and farm loans, flexible lending programs,
community development loans and employee volunteer hours are appropriately
documented for reporting. This includes updating the CRA landing page.
• 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 lending programs, deposit products and other
financial services are designed to enable the Bank’s community neighbors to
purchase businesses and build financial security.
• Collaborate with Management to
identify and recommend CRA qualified investment opportunities.
• Maintain and report key performance
indicators used to monitor the Banks' CRA performance against established
benchmarks.
• Monitor policies, procedures and
practices to ensure adherence with federal and state regulations related to
CRA, including ensuring functions performed by vendors are effectively tested.
• Annually perform CRA self-assessment
to update the CRA Performance Context and identify potential risk areas through
statistical analysis and review using the CRA software application.
• Prepare monthly reports for
presentation to the Board concerning the Bank’s record of CRA compliance.
• Ensure compliance with the CRA data
collection, reporting, and disclosure requirements, including conducting CRA
data integrity reviews amongst all lines of business.
• Prepare and submit CRA data annually.
Annual submissions must be completed by March 1st.
• Visit branch locations periodically to
promote CRA activity awareness and involvement.
• Perform CRA training for all lines of
business at least annually.
• Monitor regulatory developments and
coordinate regulatory changes within affected lines of business and ensure that
changes and controls are implemented to facilitate regulatory compliance.
• Maintain applicable risk assessments
to include annual review and recommended updates based on regulatory, industry,
and Bank changes.
• Serve as the primary Bank liaison for
CRA audits and exams.
• Serve as a resource and be available
to answer general compliance questions from employees in all lines of
businesses.
• Responsible for adherence to First
Federal’s Code of Professional Ethics and Conduct as well as observing and
promoting compliance with the Code among fellow bank personnel, customers, and
vendors.
Job Requirements: • Associate’s or Bachelor’s degree
preferred.
• Minimum of 5 years in regulatory
compliance of banking laws and regulations or other related experience.
• Strong knowledge of state and federal
banking laws and regulations, specifically: HMDA, ECOA, FHA, SCRA, UDAAP and
other laws.
• Strong understanding of bank systems
and processes; strong computer knowledge; excellent MS Word, Excel, and
PowerPoint skills. Working knowledge of automated CRA and Fair Lending software
a plus.
• Data analysis experience a plus.
Bilingual candidates encouraged to apply.
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