CRA Officer

BankFirst Financial Services•Columbus, MS

About The Position

The CRA Officer manages the bank’s Large Bank CRA Compliance Program to ensure regulatory alignment and equitable credit access for low- and moderate-income (LMI) communities. Leveraging Kadince and NContracts, this role conducts spatial analytics, drives community lending strategies, and serves as the primary liaison for regulatory exams and community partnerships.

Requirements

Bachelor’s degree
Minimum of 2+ years CRA experience at a Large Bank (>$1.564B assets) or equivalent at an Intermediate Bank ($391M–$1.564B).
Direct experience using CRA monitoring software (Kadince preferred) and CRA analytical/mapping platforms (NContracts preferred).
Deep knowledge of Regulation BB, Fair Lending, Redlining, and lending operations.
Proficiency in MS Office/Google Workspace.
Spatial/statistical data analysis skills.
Regulatory writing skills.
Leadership skills.
Deadline management skills.

Nice To Haves

Regulatory agency experience (e.g., Federal Reserve) preferred.

Responsibilities

Manage CRA software (Kadince for activity logging; NContracts for analytics, peer benchmarking, and spatial mapping).
Review branch networks and assessment area boundaries to evaluate coverage and identify expansion opportunities.
Evaluate mortgage, small business, and small farm penetration across markets; report key metrics to the Community Development Committee.
Oversee data collection, validation, and regulatory reporting for small business, small farm, and community development (CD) loans.
Maintain the CRA Strategic Plan and author annual Self-Assessments targeting at least a "Satisfactory" rating.
Present assessment area updates to the Board; manage public files (by April 1) and file an error-free CRA-LR (by March 1).
Serve as principal co-liaison with the Director of Compliance for internal CRA audits and federal examinations.
Supervise CD staff and ensure accurate tracking of CD loans, investments, grants, and volunteer hours in Kadince.
Partner with market leadership on local credit programs and FHLB Dallas community investment opportunities.
Review promotional materials for equitable LMI reach, coordinate employee volunteer/financial literacy initiatives (ABA/MBA), and co-lead annual Board training on CRA and Redlining.