CRA Officer - Miami, Florida

Pacifica Continental-posted 17 days ago
Full-time • Mid Level
Miami, FL
51-100 employees
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Administer an effective Community Reinvestment Act Policy and Program. This will include planning, developing, executing, monitoring, and reporting on the CRA Program. This position requires an in-depth knowledge of federal and state regulations in order to effectively assist in researching, preparing, implementing, maintaining, developing, and tracking all CRA existing products and services.

  • Oversee all aspects of the Bank’s Community Reinvestment Act (CRA) requirements.
  • Development of the annual CRA performance plan and execution thereof Community outreach and Identification of CRA pertinent needs of our assessment area.
  • Recommend and implement enhancements to the CRA Policy and Program that efficiently and effectively prepare the bank for successful CRA examinations.
  • Ensure that the bank’s community reinvestment activities are tracked, analyzed, and modified as appropriate to ensure at least a satisfactory rating.
  • Manage relationships with business units for collaboration in developing and monitoring performance goals that meet the bank’s CRA objectives.
  • Prepare and present a semi-annual review and self-assessment of CRA activity (analyze CRA lending, service, and investment performance) to the Board CRA Committee.
  • Provide training and advisory services as needed to areas of the bank regarding CRA.
  • Assist in preparation for, and management of CRA examinations and internal audits, including coordination and the collection of information, materials, and other data.
  • Manage software systems and act as systems administrator. Ensure that data is loaded into the system and scheduled software updates are performed.
  • Ensure locations are geo-coded properly and the database is current and appropriate analytical tools and reporting are in place to accurately assess CRA Service test performance.
  • Collect CRA data and coordinate with others in the bank to identify Community Development Loans, Investments, and track Service Activities.
  • Prepare assessment area, census tract, and branch/ATM location mapping.
  • Maintain required updates to CRA notice and the Public File.
  • Coordination of third parties and bank staff in delivering CRA related programs
  • Ongoing monitoring of and reporting on the bank’s CRA performance and to keep a good standing rating.
  • Assist with the collection of data or the annual review of the department Risk Assessments.
  • Assist colleagues with projects or tasks when needed.
  • Communicate effectively with other departments.
  • Perform other related duties as required to accomplish the objectives of the position.
  • Five or more years of demonstrated strong CRA performance experience
  • Seven or more years of related financial institution or regulatory experience
  • Strong CRA-Whiz (or equal) software program skills
  • Bachelor’s degree.
  • Must have strong personal computer and communication skills.
  • Minimum 3 years’ experience in compliance, audit, or risk management function.
  • Strong knowledge and understanding of banking laws and regulations.
  • Skill in the selection, development and management of vendors and community partners
  • Able to work independently and in a team environment with people of diverse backgrounds.
  • Effectively uses organizational and time management skills to achieve goals and accomplish tasks timely.
  • Knowledge of research and review processes and procedures, with the ability to plan, schedule and conduct regulatory reviews.
  • Establishes and maintains effective interpersonal relationships across all areas of the bank, including board members, examiners, and external auditors.
  • Proficient in Word, Excel, PowerPoint, and bank proprietary software.
  • Experience with mortgage lending and/or commercial lending compliance preferred.
  • Strong project management skills are a plus.
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