CRA Specialist I

Build Your Future Here:

Thinking of changing jobs or starting your career at a growing company with an award-winning culture? Well you are in the right place. Join us on our journey to being the Best Community Bank in America. Our motto is Working Together. Building Success. and by joining Peoples Bank, we will work together to help you achieve your career goals, just like we help thousands of clients reach their financial goals.

Peoples Bank is one of the largest 150 banks in the United States with 130 full-service bank branches in Ohio, West Virginia, Kentucky, Virginia, Washington D.C. and Maryland. We also have Specialty Finance offices in Minnesota, Missouri and Vermont. Peoples Bank prides itself as a community bank and dedicates its resources to improving our communities. The Peoples Bank Foundation celebrated its 20th anniversary in 2023, donating over $7 million to local organizations since its inception.

We are proud to share national accolades that celebrate our company culture and recognize us as a great place to bank:

* American Banker Best Banks to Work For in 2021, 2022, and 2023
* Top Workplaces USA national award in 2022, 2023, and 2024
* Newsweek's America's Best Banks 2023, and 2024

At Peoples Bank, we know that there is more to life than work. But we also understand that the quality of the work environment and employee benefits can greatly impact an associate's life. That's why we seek to create a great benefits package for our associates including: 401(k) retirement plan with an employer match, employee stock purchase plan, various education assistance programs such as student loan and tuition paydown/reimbursement, paid vacation and holidays, and much more. For full details of our benefits offerings, please visit: peoplesbancorp.com/about-us/find-a-career/

Job Purpose:

This position is responsible for completing periodic, risk-based testing of consumer compliance regulations based on the annual compliance risk assessment, fair lending risk assessment, and compliance/fair lending testing schedule. Assist the VP Director of Fair Lending and Community Reinvestment Act ("CRA") in researching laws and regulations and make recommendations as to the applicability within a particular control environment. Assist in developing and presenting any related compliance education or training necessary for bank staff. Assist with the collection and documentation of all bank CRA activities. As needed or requested, will assist the VP Director of Fair Lending and CRA in special projects, regulatory exam preparation, etc.

Job Duties:

* Will be responsible for understanding and executing the department's Compliance Management Systems policies and procedures at all times.
* Responsible for promoting compliance within the Bank's CRA Program including conducting research and interpreting applicable laws and regulations that support the development and implementation of a regulatory change management plan.
* Will keep informed of regulatory changes and updates by reading bulletins, circulars, and other pronouncements from CFPB, Federal Reserve, and other regulatory agencies, to remain knowledgeable of assigned regulations and overall consumer regulatory compliance.
* Work closely with area managers and other associates to fulfill the bank's CRA responsibilities. This includes providing appropriate presentation materials as needed to be used for periodic community calls or to solicit community CRA needs.
* Tracks and maintains an efficient internal tracking system for data related to community development loans, investments, donations, grants, and services to ensure compliance with CRA.
* Serve as a primary resource for CRA questions and issues.
* Serve as the compliance department go-to person for assigned compliance areas, including related questions for both internal department and external department associates, and provide fully vetted, complete, and accurate responses.
* Maintain the bank's CRA Public File to ensure compliance with the regulation.
* Responsible for working with the Bank's various departments in order to track lending, investment and service outreach programs that help meet the lending needs of small business owners, low and moderate income households, and majority minority census tracts.
* Assist with data requests from auditors, examiners, and regulators.
* Assist VP Director of Fair Lending and CRA with special CRA projects as assigned.
* With the assistance of the VP Director of Fair Lending and CRA, or designate, will prepare agendas, and hold meetings for preliminary compliance fieldwork.
* For the fair lending regulations assigned, will be responsible for drafting procedures to test for regulatory compliance, executing compliance testing, completing manual file reviews, summarizing findings, and submitting work completed to VP Director of Fair Lending and CRA, or designate, for review and approval.
* Will compile detailed summaries of findings from each exercise and submit to VP Director of Fair Lending and CRA, or designate, for approval.
* Will be responsible for executing and drafting quarterly management CRA updates and submitting work completed to VP Director of Fair Lending and CRA review and approval.
* Will perform special projects as assigned.

Education, Job Skills and Qualifications:

* Bachelor's Degree in business or related field from an accredited college; or a minimum of an Associate's Degree in a business-related field, and two years relevant banking and regulatory compliance experience is preferred.
* Completes compliance related in-house or external training, seminars, on-line training, and/or professional certifications.
* Experience with CRA or Fair Lending related software preferred.
* Ability to work independently in completion of current assignments and new tasks assigned (must be able to complete assigned work accurately and within allotted time with general direction)
* Knowledge of assigned compliance areas and related internal controls and ability to interpret and apply regulations assigned in a reasonable, common sense manner (develop understanding of how the regulations relate to Peoples, systems that can be used to comply, and application in layman's terms not just "by the book")
* Ability to navigate systems and software.
* Ability to develop an understanding of policies and procedures (where information is located, how to obtain, and use in efficient manner).
* Proficiency and compliance with the Compliance Management System at all times.
* Attention to detail and comfortable working with large data sets.
* Above average proficiency in MS Office, specifically Excel and PowerPoint.
* Research, analytical, and problem-solving skills.
* Excellent verbal and written communication skills.
* Ability to write clearly, with proper grammar and flow in a variety of communication settings and styles.
* Strong interpersonal communication skills - team members, peers, and management.
* Proven ability to plan and organize resources and maintain focus to achieve goals.
* Well-developed listening, problem solving, and time management skills.
* Must have the ability to be composed under pressure and demonstrate ability to effectively handle conflict.
* Must be a team player and willingly provide assistance and support of teammates (we win as a team, we lose as a team; no "I" in team, etc.).
* Demonstrate professional demeanor and conduct at all times.

Basic Qualifications:

* Minimum of an Associate's Degree in a business related field, and two years relevant banking and regulatory compliance experience.

Equal Opportunity Employer M/F/Disabled/Vet;

If you are unable to complete this application due to a disability, contact humanresources@pebo.com to ask for an accommodation, alternative application process, or other inquiries