CRA Officer

🔥 4 minutes ago

🐊 Florida – Remote

🐊 Florida – Remote

⏰ Full Time

🟠 Senior

🔴 Lead

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Ocean Bank

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 1982

🏦 Banking

🤝 B2B

👥 B2C

Banking • B2B • B2C

Ocean Bank is one of the largest independently owned commercial banks headquartered in Florida. Chartered in 1982 and based in South Florida, it operates a network of branches throughout Miami-Dade and Broward counties and has more than 500 employees. The bank emphasizes personalized, relationship-based commercial and consumer banking, providing local businesses, families and select customer groups with tailored financial products and service from personal bankers and familiar account officers.

📋 Description

• Lead and monitor the bank’s CRA program to support ongoing regulatory compliance and performance objectives. • Review and analyze CRA, HMDA, ECOA, Fair Lending, and related consumer compliance activities to identify trends, risks, and opportunities for improvement. • Partner with internal stakeholders to evaluate community development investments, donations, and service activities for CRA consideration and documentation. • Support and coordinate regulatory examinations, internal audits, and compliance reviews, including preparation of responses and supporting documentation. • Provide guidance, training, and subject matter expertise to business units on lending compliance requirements and regulatory expectations. • Assist in developing, enhancing, and maintaining compliance policies, procedures, monitoring reports, and risk assessments. • Prepare reporting and materials for management committees and help promote effective governance of CRA and consumer compliance initiatives. • Review and respond to consumer complaints as needed. • Review lending and other related advertising and marketing materials. • Responsible for attending regulatory, professional/trade and civic association meetings held related to CRA/HMDA/ECOA/Fair Lending compliance. • Serve as a trusted compliance partner by helping address regulatory questions, consumer complaints, and emerging compliance matters.

🎯 Requirements

• Bachelor’s degree in Business (Finance, Economics or Accounting). • 7+ years of experience directly related to CRA/HMDA/ECOA/Fair Lending compliance administration. • 3+ years in a supervisory or managerial position. • Extensive knowledge of consumer regulations, including but not limited to: Community Reinvestment Act, Home Mortgage Disclosure Act, Equal Credit Opportunity Act, Unfair and Deceptive Practices Act, Fair Housing Act, Fair Lending Interagency Statements, TRID, RESPA and TILA. • Periodic travel may be required to the branches and to outside organizations. • Combination of education and experience will be considered. • Proven ability to develop and manage community programs. • Experience with managing the CRA Compliance Examination process and proactively engaging with regulators. • Ability to use sound judgment and make critical decisions regarding CRA compliance with minimal supervision. • Experience with data analysis and reporting. • Knowledge of banking products and services. • Ability to understand and implement job related policies and procedures. • Must have strong familiarity with regulatory banking environment and banking regulations. • Must possess excellent verbal and written communication skills, interpersonal and organizational skills. • Highly self-motivated, self-directed, and attentive to detail. • Proficiency in MS Office Software, (Excel, Word, Outlook, Power Point, and Teams).

🏖️ Benefits

• None