CRA Analyst II

CRA Analyst II

The Community Reinvestment Act (CRA) Analyst II supports the CRA team in meeting regulatory requirements under the Community Reinvestment Act (CRA), helping ensure the Bank maintains Satisfactory Examination Ratings. The CRA Analyst II works with the CRA Officer and Senior CRA Analyst to ensure conformity and adherence with all applicable State and Federal laws, regulations, policies, and procedures. This includes supporting internal lines of business such as lending, marketing, retail, compliance, and legal to ensure CRA priorities are integrated into the Bank's broader CRA strategy. This position is also responsible for aligning activities related to volunteer services, donations, FHLB programs, and financial literacy initiatives with the Bank's core strategic goals to maximize benefits for both the company and the community.

1. Drive CRA program success by applying independent judgment to review, qualify, and document activities across volunteer services, donations, FHLB programs, as well as financial literacy initiatives; ensuring timely, compliant completion of low-risk deliverables and generating actionable reports for management and the CRA Committee to support strategic decisions and enhance community impact.

2. Ensure timely, compliant completion of low-risk CRA deliverables while generating actionable reports that support strategic decision-making by management and the CRA Committee, contributing to enhanced community engagement and overall program effectiveness.

3. Work with Stakeholders / Lines of Business to identify CRA related opportunities related to services, donations, and ancillary CRA programs.

4. Conduct data integrity reviews of CRA Community Development activities such as donations, services, financial literacy, and FHLB programs submitted by employees across relevant lines of business, validating accuracy using Kadince, internal reporting systems, and FHLB program data to ensure documentation and work programs meet compliance standards, and provide recommendations to enhance data quality as well as program effectiveness.

5. Facilitate monthly CRA Liaison program meetings documenting activities, minutes, and training, to collaborate and consult with stakeholders to provide feedback to ensure alignment with CRA.

6. Support the implementation of new, or modified CRA Program-related regulations ensuring proper Compliance to CRA regulatory requirements and determine impacted business units.

7. Collaborate with the Mortgage Group and CRA Officer to maintain and submit documentation for FHLB Programs including Special Needs Assistance Program (SNAP), Homebuyer Equity Leverage Partnership (HELP), Affordable Housing Program (AHP), Partnership Grant Program (PGP), and Disaster Programs.

8. Develop and conduct small group training, to provide guidance to educated bank employees on requirements for CRA qualified donations and services, including ancillary CRA related programs.

9. Prepare gap analysis for Services and Donations, in relation to community needs.

10. Oversee the accurate and timely preparation of the Banks CRA Public File.

11. Maintain compliance with all applicable laws and regulations while keeping abreast of new changes in regulations affecting responsibilities.

12. The ability to work in a constant state of alertness and in a safe manner.

13. Completes required BSA / AML training and other compliance training as assigned.

14. Perform any other related duties as required or assigned.

Qualifications :

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and / or ability required.

Education and Experience : Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 4 years of related experience and / or training, and 12 - 18 months related management experience.

Communication Skills : Ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, general public and other employees of the organization.

Mathematical Skills : Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry.

Critical Thinking Skills : Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

Software Skills Required : Basic : 10-Key, Accounting, Alphanumeric Data Entry, Payroll Systems Intermediate : Presentation / PowerPoint, Spreadsheet, Word Processing / Typing

Working Conditions : Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; but none are present to the extent of being disagreeable.

Environmental Conditions : The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate (business office with computers / printers, light traffic, etc.)

Physical Activities : The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations. Highly-repetitive, low physical. Highly repetitive type of work which requires concentration in the performance of tasks for consistent time cycles as prescribed by the tasks. While performing the functions of this job, the employee is regularly required to stand, sit, talk or hear; occasionally required to walk, use hands to finger, handle, or feel, reach with hands and arms, stoop, kneel, crouch, or crawl. The employee must regularly lift and / or move up to 10 pounds, occasionally lift and / or move up to 50 pounds. Specific vision abilities required by this job include close vision and color vision.

Additional Information :

Required : - Strong proficiency in Word and Excel

Preferred : - Database, SQL or PowerBi experience