Community Relations Officer
Buffalo, NY 14201
Our stable, reputable and growing banking client is in need of a Community Relations Officer. This critical position is responsible for the development and maintenance of the CRA and Fair Lending Programs including monitoring bank operations and analyzing performance to ensure that the bank meets it's commitment for community development and Fair Lending. In performing this function, the position will provide strategic guidance to senior management to achieve at least a “Satisfactory” risk rating by the FDIC for Community Reinvestment Act and to minimize the risk of Fair Lending and related UDAAP compliance violations, regulations and regulatory policy and the strategic implications for the bank, including but not limited to CRA, FHA, ECOA, HMDA and UDAAP.
Specific Job Duties Include:
Designs, implements and reports on appropriate CRA and Fair Lending Risk Assessments.
Based on the CRA and Fair Lending Risk Assessments results:
Designs, maintains, coordinates and implements enterprise wide CRA and Fair Lending Programs suitable for the size and complexity of the bank.
Develops and proposes the annual CRA and Fair Lending performance plans for executive management and Board adoption.
Provides leadership and direction to achieve goals by:
Actively engaging Market Presidents, senior management and community leaders to promote CRA and Fair Lending;
Advise on Program community needs and outreach opportunities, resource coordination, identification of community needs for CRA and Fair Lending; and
Chairing the CRA and Fair Lending Committee.
Implements and maintains an enterprise-wide system by market for identifying, tracking and measuring opportunities and performance for community development loans, investments and service activities for CRA and Fair Lending credit.
Performs periodic monitoring and provides reports on CRA and Fair Lending performance for review by senior management; presents reports to the Board and Board’s Audit Committee including:
Managing automated analysis tools and performing loan portfolio and branch activity analysis;
Monitoring retail mortgage loan pricing exceptions and retail loan second look activities;
CRA and Fair Lending activities and proposing CRA Assessment Areas and Reasonably Expected Market Areas; and
Ensuring goals for community development loans, investments and services are met, and identified LMI and MMCT gaps are considered and appropriate penetration attempts are made within each market.
Maintains procedures for, and performs CRA and Fair Lending impact analyses of, proposed branch openings, relocations and closings.
Provides opportunity information, advisement and coordination of resources to Market Presidents, business line leaders and Marketing on community outreach and identification of community needs for CRA and Fair Lending. Community outreach involves travelling to all markets multiple times annually.
Coordinates management for changes in the regulatory landscape, systems, and resources related to CRA and Fair Lending.
Develops and coordinates CRA and Fair Lending training for the Board of Directors and employees.
Performs risk assessments and monitoring of vendors impacted by CRA and Fair Lending Programs.
Maintains monitoring work papers and reports in accordance with Compliance Department procedures. Ensures corrective actions are taken for any identified procedural or training weaknesses to preclude regulatory violations.
Maintains the designation of Certified Regulatory Compliance Manager from the ABA or suitable national alternative.
Assists in developing and maintaining working relationships with Business Unit Compliance Analysts, Business Unit Managers and staff to ensure that compliance requirements are incorporated into business processes of the first line of defense and to establish an effective monitoring system to ensure that responsibilities are carried out and requirements are met.
Maintains a good working relationship with all employees. Demonstrates a strong ability to work independently, as well as motivated to work as a team player to contribute to the success of the department and in turn, the organization.
Bachelors or better in Business Administration, along with 5-10 years: Specialized experience in Community Reinvestment Act, Fair Lending within banking, consulting, and/or bank regulation.
5 years: Years of general banking experience.
10 years: General business experience.
HMDA and UDAAP experience a plus.
Licenses & Certifications
Cert Reg Compl Manager
For more details please call Joe Catherine at (716) 632-1500 and/or send your resume to: [email protected]
Meet Your Recruiter
Recruitment professional since 1970 with disciplines in accounting / finance, construction management and banking, manufacturing, and human resources. He started in the business with AFCO Personnel Services in 1970 and after two years was appointed manager and then managing partner. Joe merged AFCO Personnel Services in 1983 at which time he and Mike DeBellis founded DeBellis & Catherine Associates. Joe attended SUNY at Buffalo studying liberal arts and sociology. He was active with the Niagara Falls & Buffalo Chamber of Commerce, executive committee for the Porter Cup amateur golf tournament and was on the St. Mary's Hospital Foundation Board of Directors. He is currently an active member with the Williamsville Rotary Club.