AVP, Community Development Officer

Community Development Officer

The Community Development Officer plays a critical role in advancing Ephrata National Bank's (ENB) commitment to strengthening communities and improving financial well-being. This role is responsible for building meaningful relationships within low- to moderate-income (LMI) communities, identifying opportunities to expand access to financial services, and delivering impactful financial education and community development initiatives.

This position serves as a bridge between ENB, community organizations, and clients—bringing the full value of the bank to individuals, families, and small businesses while fostering long-term engagement, trust, and financial empowerment. The role also supports consumer lending origination efforts by identifying borrowing needs and guiding clients through appropriate lending solutions.

• Actively engaged in the community to understand the needs of LMI individuals, families, and small businesses, identifying opportunities to support financial well-being and economic growth.
• Build and maintain strong relationships with nonprofit organizations, community groups, government agencies, and local leaders to expand ENB's presence and impact.
• Represent ENB through board participation, community events, and speaking engagements to promote the bank's mission and values.
• Partner with internal business lines to connect clients and community partners with appropriate banking products, services, and expertise.
• Leverage bilingual skills (when applicable) to effectively engage diverse communities and remove language barriers to financial access.

• Lead financial education initiatives for individuals, families, and small businesses, focusing on budgeting, credit building, home ownership, and long-term financial stability.
• Facilitate group workshops and one-on-one financial conversations that promote strong financial habits and increased engagement with banking services.
• Serve as a trusted advisor by identifying client needs and providing tailored solutions that enhance financial well-being and deepen relationships.
• Identify consumer borrowing needs and support consumer loan origination, including education on loan products, application support, and referral or direct origination as appropriate.
• Equip community partners and internal teams with tools and resources to extend financial education efforts.
• Demonstrates high-level proficiency when opening consumer and business accounts, performing account maintenance, problem resolution, and conducting routine transactions.

• Develop and manage a pipeline of community-based opportunities to drive new client acquisition, increase engagement, and grow market share within LMI segments.
• Collaborate with branch teams to support outreach strategies, referrals, and relationship expansion efforts.
• Proactively identify opportunities for both deposit growth and consumer lending production, contributing to overall portfolio growth.
• Leverage internal data, reporting tools, and market insights to proactively identify and convert business opportunities.
• Support the growth of deposits, lending, and overall household relationships through targeted outreach and partnership development.

• Identify, develop, and support community development lending, investment, and service opportunities aligned with ENB's strategic priorities.
• Maintain and document CRA-eligible activities, including community service, partnerships, and development initiatives.
• Collaborate with leadership to align community development efforts with ENB's broader mission and market strategies.

• Coordinate and manage community development programs and initiatives that support financial inclusion and economic empowerment.
• Develop and implement grantmaking and sponsorship strategies to maximize community impact.
• Partner with nonprofit organizations to deliver financial education and connect clients to banking solutions.
• Support internal engagement by encouraging employee involvement in community service and nonprofit leadership opportunities.

• 6 to 8 years of relevant experience.
• Bachelor's degree in business, finance, community development, or a related field (or equivalent experience) strongly preferred.
• Experience in community development, banking, business development, or nonprofit partnership management.
• 3 years of consumer lending experience, including real estate secured loans, strongly preferred.
• NMLS registration is required or must be obtained within 6 months of role acceptance.
• Strong understanding of financial products, services, and financial wellness principles.
• Knowledge of CRA regulations and community development practices.
• Proven ability to build relationships, influence stakeholders, and drive community-based initiatives.
• Excellent communication, presentation, and interpersonal skills.
• Bilingual (Spanish…