Community Reinvestment Act; Cra Officer

COMMUNITY REINVESTMENT ACT (CRA) OFFICER

COMPLIANCE DEPARTMENT

FULL TIME – COMMUNITY REINVESTMENT ACT (CRA) OFFICER

HOURS:

40 PER WEEK

REQUIREMENTS:

• Banking experience, with demonstrated knowledge of CRA, HMDA, ECOA and fair lending compliance
• Ability to interpret and apply regulatory guidance and examination expectations
• Proven experience in data analysis, including CRA performance, lending patterns, and demographic trends
• Strong understanding of Utah County and surrounding community demographics and credit needs (preferred)
• Ability to build relationships with community organizations, regulators, and internal stakeholders
• Excellent verbal and written communication skills, including report writing and presentations to senior management/Board
• High attention to detail and strong organizational skills
• Demonstrated leadership, initiative, and ability to work independently
• Strong integrity and commitment to ethical standards
• Proficiency in Excel, data systems, and compliance software (Bankrite, NContracts or similar platforms)
• CRA Certified Professional (CRACP) designation or willingness to obtain
• Experience managing or supporting CRA programs in a small to mid-sized bank (preferred $1B–$10B assets) is helpful but not required

PROGRAM MANAGEMENT & STRATEGY

• Administer and maintain a comprehensive CRA Compliance Program for the Bank
• Develop and execute CRA strategies to support Satisfactory or Outstanding CRA rating
• Monitor and evaluate Bank performance under CRA lending, investment, and service tests
• Maintain the Bank’s CRA Public File and ensure all required disclosures are accurate and current

DATA ANALYSIS & REPORTING

• Analyze HMDA, small business, and consumer loan data to assess CRA performance and identify gaps or opportunities
• Prepare regular reports for Executive Management and the Board of Directors on CRA performance
• Conduct geographic and demographic analysis of lending patterns within assessment areas
• Identify trends and recommend corrective actions where needed

REGULATORY & EXAMINATION MANAGEMENT

• Serve as primary liaison with regulators during CRA examinations and reviews
• Prepare for and coordinate CRA exams, including documentation, data validation, and responses
• Stay current on evolving regulatory expectations and ensure program alignment

COMMUNITY DEVELOPMENT & OUTREACH

• Develop and maintain relationships with community development organizations, nonprofits, and local stakeholders
• Identify and support qualified community development loans, investments, and services
• Advise management on community development opportunities within Utah County and surrounding markets

INTERNAL COLLABORATION & TRAINING

• Provide guidance and training to lending, retail, and operations teams on CRA requirements and opportunities
• Partner with business lines to integrate CRA objectives into lending and service activities
• Serve as a subject matter expert for CRA-related questions across the organization

COMPLIANCE & RISK INTEGRATION

• Collaborate with the Compliance Department to align CRA with broader fair lending and compliance risk management
• Participate in compliance risk assessments, audits, and internal monitoring activities
• Support policy development and updates related to CRA and community development

Wage is negotiable depending on experience and skills

Benefits:
Insurance (Medica, Dental, Life), Paid Time Off, Paid Legal Holidays, HSA, FSA, 401K/Profit Sharing