CRA Officer

1 week ago

MA United States Bristol County Savings Bank Full time
Job Summary

Bristol County Savings Bank is seeking a highly skilled CRA Officer to join our team. As a key member of our Community Relations department, you will be responsible for evaluating the Bank's performance under the Community Reinvestment Act (CRA). This includes conducting statistical analysis related to the Home Mortgage Disclosure Act (HMDA) and CRA, focusing on the Investment, Lending, and Services Tests.

Key Responsibilities
  • Manage and analyze the Bank's CRA performance in all three CRA tests (Lending, Investment, and Services) to ensure compliance with regulatory requirements.
  • Utilize CRA Wiz (or similar software) to generate and analyze CRA performance reports for Community Development, HMDA, and Small Business Lending, ensuring CRA objectives are met.
  • Perform monthly gap analysis to identify areas of opportunity in the Bank's assessment areas.
  • Prepare and report the Bank's CRA performance quarterly, including community needs assessments and CRA self-assessments.
  • Monitor and ensure loan penetration for low- and moderate-income households and small businesses, conducting analysis as required.
  • Perform CRA and HMDA data integrity reviews and ensure timely, accurate CRA and HMDA submissions.
  • Track community development loans, investments, qualified CRA grants, and service activities, ensuring proper documentation for regulatory purposes.
  • Coordinate with regulators during CRA examinations and assist with audits.
  • Maintain the Bank's CRA policy, public file, and related documentation, updating as necessary.
  • Develop and deliver CRA and Community Development training for Bank personnel and lenders, ensuring branch visits and training occur annually.
  • Coordinate and chair internal CRA committee meetings and manage external Community Investment Committee meetings quarterly.
Requirements
  • Bachelor's degree or its equivalent.
  • Three to five years of experience performing CRA, HMDA, and lending-related tasks.
  • Experience performing analysis on large and multiple datasets returning trends and/or potential conclusions.
  • Strong communication, interpersonal, and organizational skills.
  • Attention to detail and the ability to manage multiple assignments while meeting prescribed deadlines.
  • Able to use various office equipment and must possess a strong working knowledge of Microsoft Office, including Word, Excel, PowerPoint, and Outlook, Internet for research, CRA Wiz, Encompass, and COCC.
Preferred Qualifications
  • Proficiency in CRA Wiz (or similar) specific to CRA analysis and reporting.
  • Experience and technical knowledge of CRA (Lending, Investments, Services).
  • Experience working with bank systems (i.e., commercial loan, HOST, ACAPS, etc.).
  • Understanding of the CRA and/or Fair Lending examination process.
Competencies/Skills
  • Ability to collaborate across lines of business to achieve CRA goals.
  • Ability to communicate data-driven insights to senior executives.
  • Strong interpersonal, analytical, and project management skills.
  • Knowledge of regulatory issues and the ability to conduct regulatory research.

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