Job Description

Only Candidates with US Work Authorization will be considered.

Scope of Responsibilities : 

The CRA Officer is responsible for administering all aspects of the Community Reinvestment Act Compliance Program, for reporting to management and the Board on its implementation and will conduct periodic self-assessments to measure the Bank’s CRA performance.

In addition, the CRA Officer will ensure that the Bank complies with the technical requirements of CRA, including but not limited to annual submission of the Bank’s CRA (community development, small business and small farm) and HMDA loan registers to the federal government, maintenance of the Bank’s CRA Public File, review and timely response to all customer inquiries or complaints regarding the Bank’s CRA performance, and facilitation of regulatory CRA performance examinations.

CRA Officer is responsible for developing and implementing programs to ensure the Bank meets the needs of the community and attains CRA compliance goals. The CRA Officer will establish, participate, and maintain relationships with community-based, charitable, housing, and non-profit organizations that qualify for CRA.

• Oversee the preparation of monthly reports for presentation to the Board Level Compliance CRA Committee concerning the Bank’s record of CRA compliance.
• Sets targets for CRA lending, investment, and service test activities, and creates and maintains reports for progress to goal reporting.
• Maintains and updates the CRA Public at least annually or as needed.
• Review the delineation of the bank's CRA assessment areas as needed.
• Prepares and submits CRA LARS data annually. Annual submissions must be completed by March 1.
• Is the primary point of contact for any regulatory exam or audit associated with the Community Reinvestment Act (CRA).
• Advises the Bank’s Senior Management of emerging CRA issues to ensure the Bank meets the needs of the community and attains CRA compliance goals.

Experience :

• Advanced knowledge of related state and federal banking compliance regulations, Bank operational policies and procedures, and the Bank’s products and services.
• Excellent analytical, investigative, and mathematical skills with attention to detail and concern for data accuracy
• Excellent organizational skills
• Multitask and prioritize while having excellent attention to detail
• Critical thinking and effective problem-solving skills. 
• Advanced knowledge of report preparation in Excel
• Proficiency in Word, PowerPoint, Outlook, and internet

Education:

• Bachelor’s degree from a four-year college or university and/or a minimum of five years banking experience with at least five years in compliance or regulatory management. Certain on the job CRA experience may supersede education requirements.

Language:

•  Fluent in English (verbal & written). An effective communicator with customers, colleagues, federal / government organizations and community partners.

Bradesco Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

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