CRA & HMDA Officer

Community Reinvestment Act and Home Mortgage Disclosure Act (CRA & HMDA) Officer

Location:

Indiana, Illinois, Kentucky, Tennessee, or Georgia (Hybrid or Remote)

Status:
Full-Time, Salary Exempt Officer

If you are a detail-oriented compliance leader passionate about driving community impact through fair and equitable lending practices, our CRA & HMDA Officer role may be a perfect fit. In this strategic role, you’ll oversee vital regulatory programs and partner across the organization to ensure First Financial Bank meets and exceeds expectations under the Community Reinvestment Act (CRA) and Home Mortgage Disclosure Act (HMDA).

This position can be structured as remote or hybrid , offering flexibility while staying connected to a highly collaborative and purpose-driven team.

• Lead CRA & HMDA Compliance:
  Oversee the bank’s CRA and HMDA programs to ensure regulatory alignment and performance excellence.
• Manage Reporting Processes:
  Supervise accurate collection, validation, and submission of Loan Application Register (LAR) data for HMDA reporting.
• Chair the CRA Committee:
  Guide the committee’s agenda, lead discussions, and ensure alignment with community development objectives.
• Analyze Lending Performance:
  Develop and maintain statistical analysis of CRA-related lending, investments, and services, with emphasis on low-to-moderate income areas.
• Collaborate Across Departments:
  Partner with business units, compliance, risk, and audit teams to assess trends, manage risks, and enhance community outreach.
• Support Regulatory Examinations:
  Serve as the bank’s liaison with examiners for CRA and Fair Lending reviews and maintain thorough documentation.
• Monitor Regulatory Changes:
  Track evolving CRA, HMDA, and Fair Lending regulations and recommend updates to programs and policies as needed.
• Promote Fair Lending Practices:
  Support internal fair lending monitoring and analysis, including redlining, underwriting, pricing, and denial trend reviews.
• Recommend Program Enhancements:
  Evaluate CRA product effectiveness and propose strategic improvements to better serve target communities.

• Bachelor’s degree in business or finance or equivalent experience
• Regulatory compliance experience with strong knowledge of CRA, HMDA, and Fair Lending laws and regulations
• Experience using fair lending tools (e.g., Questsoft , Marquis, WIZ, N contracts )
• Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).
• Analytical mindset with the ability to translate data into action
• Excellent written and verbal communication skills
• Self-starter able to manage complex programs independently
• Ability to collaborate with all levels of the organization and regulatory bodies
• Ability occasionally to work locations within driving distance.
• Ability to remain in a stationary position for up to 75% of an eight (8) hour workday.
• Ability to review information and details at close range (within a few feet).

• Competitive Pay & Benefits:
  Medical, dental, vision, and employer-paid life and disability insurance.
• Financial Perks: 401(k) match, Employee Stock Ownership Program (ESOP), and banking benefits.
• Work-Life Balance:
  Paid time off, including 11 Federal Reserve bank holidays.
• Growth Opportunities:
  Tuition assistance and professional development programs.
• A Supportive Culture:
  Integrity, collaboration, innovation, and respect are at the heart of what we do.

First Financial Bank is a dynamic financial institution with over $5.5 billion in assets and a proud history dating back to 1834. With more than 75 banking centers across five states , we are committed to empowering our clients, fostering personal growth, and building community.

Joining First Financial Bank means becoming part of a legacy where your work directly contributes to the stability and growth of the communities we serve. Here, you are more than an employee; you are an essential member of a team dedicated to living out the values of "One First" every day. Be part of a bank that values your contributions and invests in your future!

Apply now and take the next step in your banking career! We review all applications and will respond promptly.

First Financial Bank is an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, genetic information, national origin, disability, military and/or veteran status, or any other Federal or State legally protected classes.