CRA and Community Development Officer

HomeTrust Bank•Charlotte, NC

2d•Onsite

About The Position

The CRA & Community Development Officer leads HomeTrust Bank’s enterprise-wide Community Reinvestment Act (CRA) and community development strategy across its assessment areas within a five-state footprint. The Officer serves as the Bank’s primary CRA subject matter expert and strategic leader, coordinating with executive leadership, market presidents, branch and lending leaders, Compliance, Community Development, Marketing, and other business lines. Business lines and market leadership remain accountable for carrying out CRA activities in their areas. The Officer advises senior management on CRA performance, community needs, regulatory expectations, and opportunities to strengthen the Bank’s community impact. The role develops and executes the Bank’s CRA strategy, sets assessment-area priorities, translates strategy into measurable lending, investment, and service objectives, and monitors performance throughout the year. It maintains continuous examination readiness, coordinates CRA examination preparation and responses, works with Compliance to document qualifying activities, and tracks regulatory developments. The Officer also builds relationships with community organizations across the Bank’s footprint, identifies opportunities to address community needs, and represents the Bank with external stakeholders. The position prepares CRA reporting for executive management and the Board or an appropriate Board committee, develops training for associates, and leads assigned employees through recruitment, training, work planning, goal setting, performance feedback, and professional development. The role requires adherence to company policies and applicable regulations, including BSA, AML, CIP, OFAC, lending, consumer compliance, and fair lending requirements. The position operates in a professional office environment, uses standard office equipment, and requires travel up to 50% to markets within the Bank’s footprint.

Requirements

Bachelor’s degree in business, finance, public policy, or a related field.
7–10+ years of experience in banking or a related field.
Experience managing CRA programs for a large or multi-state bank.
Experience with CRA data analytics and assessment-area analysis.
Familiarity with nonprofit and community groups supporting affordable housing finance, CDFIs, community development financial structures, or economic development.
Experience preparing for or managing a CRA examination.
Experience developing enterprise CRA strategies and performance dashboards.
Ability to travel to all markets within the Bank’s footprint; the position involves travel up to 50%.
Excellent attention to detail, organizational skills, and communication skills.
Highly effective verbal and written communication skills and ability to work as a team player.
Ability to work independently with strong initiative and results orientation.
Excellent relationship-building and relationship-maintenance skills.
Proficiency in Microsoft Office products.
Ability to meet the stated physical demands, including reaching, shifting, lifting up to 25 pounds, finger dexterity, grasping, feeling, repetitive motions, talking, hearing, and communicating accurate information.
Ability to perform in a professional office environment using standard office equipment.

Nice To Haves

Previous experience with Kadence administration.
Previous experience in volunteer and event coordination.

Responsibilities

Develop and execute the Bank’s enterprise-wide CRA strategy, objectives, and annual operating plan.
Set CRA priorities for each assessment area based on local market conditions, demographic trends, community needs, lending opportunities, and regulatory expectations.
Translate CRA strategy into measurable lending, investment, and service objectives, and partner with market and business-line leaders to integrate them into plans and strategies.
Analyze CRA performance throughout the year by assessment area, product, geography, business line, and activity; identify potential areas of concern and report performance, trends, opportunities, and emerging risks to senior management.
Serve as the enterprise subject matter expert on CRA and community development and advise senior management on performance, community needs, regulatory expectations, and opportunities to strengthen community impact.
Maintain continuous CRA examination readiness and coordinate examination preparation, examiner-request responses, and remediation of examination findings.
Coordinate with Compliance to identify, document, categorize, and support CRA-qualified activities; maintain an inventory of qualifying lending, investments, grants, donations, and community development services.
Track regulatory developments and assess their potential effect on the Bank’s CRA program.
Partner with commercial, CRE, residential mortgage, small business, and specialty lending teams to identify lending, service, and investment opportunities that address community needs.
Meet with community organizations to understand changing needs; represent the Bank at community development meetings, conferences, industry events, and civic organizations; and facilitate collaboration with appropriate Bank business lines.
Develop and maintain relationships across the five-state footprint with organizations focused on affordable housing, small business and economic development, workforce development, financial education and inclusion, neighborhood revitalization and stabilization, community facilities and essential services, and disaster recovery and resilience.
Develop educational materials and training for lenders, branch employees, relationship managers, and other associates.
Prepare regular CRA reports for executive management and the Board or appropriate Board committee, ensuring reporting provides a reliable view of CRA performance.
Lead assigned team activities, including recruitment, interviewing, training, work planning, goal setting, performance management, feedback, and professional development.
Coordinate interdepartmental goals to align with company goals and vision.
Maintain confidentiality and security of sensitive information; adhere to corporate policies, procedures, applicable laws, and regulations; and complete mandatory annual compliance training.
Follow BSA, AML, CIP, OFAC, lending, consumer compliance, and fair lending requirements to assist in identifying, detecting, and deterring unlawful activities.
Perform other duties and special projects as assigned.
Travel to Bank markets as required; travel is up to 50%.