CRA Officer

Overview

Develops and maintains the bank’s Community Reinvestment Act (CRA) Program.

Responsibilities

• Stay abreast of changes to CRA-related federal and state banking laws and regulations which may affect the management, operations, and product offerings of the financial institution.
• Prepare the CRA performance context and represent the CRA Program during examinations or audits.
• Ensure that the bank’s CRA Public File is current, accurate, and made available as required.
• Ensure timely submission of accurate CRA reports to Federal regulators.
• Compile and review for validity bank records of CRA activities, including small business and small farm lending, as well as community development lending, services, and investments.
• Conduct periodic evaluations of CRA activity, assessment area delineation, and overall effectiveness of the program, and report the results to management.
• Educate bank personnel regarding the requirements of CRA as outlined by FDIC.
• Research the credit needs of the assessment area and assist management as needed in the creation of programs to meet those needs.
• Work cooperatively with other departments to identify CRA community development opportunities and develop the related activities.
• Encourage employee participation in CRA eligible events.
• Inform and advise Compliance Officer, Management and Board of conditions and status of the bank’s adherence to CRA laws and regulations.
• Serve as the Fair Banking Committee recording secretary
• Assist with the preparation for the Fair Banking Committee meetings
• Other duties may be assigned.

Qualifications

• Four-year college degree; 5 or more years related experience and/or training; or equivalent combination of education and experience.
• Good computer skills and experience with relevant software programs
• Knowledge of CRA performance evaluations, assessment areas, public files, and qualifying activities.
• Experience maintaining CRA policies, procedures, and documentation.
• Strong working knowledge of: Community Reinvestment Act (CRA), HMDA (Home Mortgage Disclosure Act), ECOA (Equal Credit Opportunity Act), Fair Lending regulations
• Experience preparing for regulatory examinations.
• Strong presentation skills for executive teams and regulators.
• Ability to explain complex regulatory concepts in understandable terms. Professional credibility with executive leadership and regulators

Preferred Skills and Attributes:

• Strong analytical abilities with experience reviewing large datasets.
• Strong attention to detail and documentation accuracy.
• Excellent written and verbal communication skills.
• Collaborative and approachable.
• Proactive and self-motivated.
• Multitasker with strong attention to detail, analytical, and statistical skills
• Good computer skills and experience with relevant software programs
• Knowledge of CRA performance evaluations, assessment areas, public files, and qualifying activities.
• Experience maintaining CRA policies, procedures, and documentation.
• Strong working knowledge of: Community Reinvestment Act (CRA), HMDA (Home Mortgage Disclosure Act), ECOA (Equal Credit Opportunity Act), Fair Lending regulations
• Experience preparing for regulatory examinations.
• Strong presentation skills for executive teams and regulators.
• Ability to explain complex regulatory concepts in understandable terms.
• Professional credibility with executive leadership and regulators

Location: North Dallas on Preston Road at 635/LBJ Frwy

About NDBT:

We have a great team of friendly, talented, and inspiring people at NDBT. We take pride in offering opportunities for employees to grow and follow their passions, while providing a great work-life balance as well as job stability. Founded in 1961, NDBT has a long-standing reputation in the community and strives to provide excellent customer service to our customers and communities. NDBT leadership and employees foster and contribute to our environment of mutual respect, accountability, creativity, and teamwork; and at all times to act with integrity, dignity, honor, and fairness. If this sounds like something you would like to be a part of – consider applying today.

North Dallas Bank and Trust is an Equal opportunity employer. This company considers candidates regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status.