Origin Bank
Director of Fair and Responsible Banking and Community Reinvestment
Origin Bank, Longview, Texas, United States, 75601
Community Reinvestment Act Officer
Primary Duties and Responsibilities Monitor relevant regulatory and industry publications, and regularly participate in relevant events, conferences, and educational programs to stay informed of changes to fair and responsible banking requirements (e.g., CRA, ECOA, HMDA, UDAAP, etc.), emerging risks and evolving industry best practices Partner with key stakeholders to ensure loan, investment, and service activity produces desired CRA and fair lending outcomes Provide guidance to senior market managers and leaders on strategic and tactical plan development that supports the bank's Historically Black Colleges and Universities (HBCU) program Proactively identify and communicate fair and responsible banking (including CRA) performance issues, deficiencies, gaps, or other matters that may impact the Bank's ability to meet strategic its Fair and Responsible Banking Program objectives Acquire and maintain understanding of key business drivers, strategic plans for lines of business impacting fair and responsible banking (including CRA). Develop and promote recommendations to implement fair and responsible banking initiatives, strategies, and best practices that align with and support the achievement of business objectives Maintain clear understanding of the Fair and Responsible Banking Program (including CRA), current and future projects, and progress toward goals at all times Prepare and present material to executive leadership on CRA and fair and responsible banking performance Drive all activities to ensure lending and investment programs to meet the needs of low- and moderate- income households. Partner with executive management, senior market managers and leaders, Compliance Risk Data and Analytics, Legal, Product Managers, Treasury, Community Relations Officers, and Marketing. Partner with these leaders to establish, participate, and maintain relationships with community-based charitable and non-profit organizations. Develop and maintain strong business partner relationships across the business. Conduct regular and extensive community outreach throughout the bank's footprint to identify credit, service, and other needs within the community and work with executive leadership and senior market managers and leaders to develop programs and set goals to meet those needs through the bank's Fair and Responsible Banking Strategy Work with for-profit and not-for-profit organizations to identify opportunities to extend loans or make investments in facilities that promote community development within the bank's footprint, consistent with safe and sound banking practices Manage the Bank's CRA donations budget, ensuring requests for charitable contributions are from qualified not-for-profit organizations that provide impactful services to support to low- and moderate-income individuals, families, or neighborhoods Identify employee volunteer opportunities that qualify as community development service and work with the Project Enrich Leadership Team to promote opportunities and sign up volunteers in alignment with the bank's goals for Project Enrich and CRA-qualified service hours Prepare quarterly dashboards and annual self-assessments to achieve satisfactory or better fair and responsible banking examination reports (including CRA) Review marketing materials to ensure outreach to low- and moderate-income communities and minority communities Evaluate statistical data to inform sales and marketing campaigns that support the bank's Fair and Responsible Banking Program (including CRA) Serve as the liaison with regulators and internal/external auditors during fair and responsible banking evaluations and ad hoc requests Ensure the bank's enterprise fair and responsible banking training curricula (e.g., CRA, ECOA, HMDA, UDAAP, etc.) includes sufficient and appropriate training for employees and the board Consult with the Compliance Advisory Services team on complaints alleging discrimination or unfair treatment Assist in updating the CRA policies and/or risk assessment procedures, as needed Read, analyze and interpret financial reports, legal documents, governmental regulations and professional publications relative to compliance and regulatory matters Performs any other assignments as directed by the Chief Compliance Officer Supervisory Responsibilities This job has no supervisory responsibilities. Competencies Analytical Skills
Able to assess risk; Detail oriented, has excellent analytical problem solving and critical thinking skills; Strong technical troubleshooting skills and the ability to simultaneously juggle complex projects. Problem Solving
Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Works well in group problem solving situations; Uses reason even when dealing with emotional topics. Interpersonal Skills/Customer Service
Focuses on solving conflict, not blaming; Maintains confidentiality; Remains open to others' ideas and tries new things; Manages difficult or emotional customer situations; Responds to requests for service and assistance; Meets commitments. Oral and Written Communication
Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings; Writes clearly and informatively; Strong ability to communicate complex topics in a clear and concise manner; well honed business writing skills. Integrity and Trust
Earns the trust and respect of others through consistent honesty and professionalism in all interactions. Teamwork - Ability to work in a collaborative environment, as well as independently; Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Supports everyone's efforts to succeed. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports inclusion and diversity; Embraces trusted advisor role. Judgment and Motivation
Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions; Demonstrates persistence and overcomes obstacles. Planning/Organizing
Ability to multi-task and set priorities; Prioritizes and plans work activities; Uses time efficiently; Sets goals and objectives. Professionalism - Ability to deal with all levels of personnel in a courteous and effective manner; Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Flexibility
Ability to work under pressure on multiple tasks concurrently and meet deadlines in a fast-paced work environment with interruptions and changing priorities. Leadership
Creates a positive work environment where all staff are motivated to do their best; inspires and mobilizes others around a compelling vision; builds and leads high performing teams. Attendance/Punctuality and Dependability
Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Takes responsibility for own actions and that of all members of the Compliance Risk Data, Reporting and Analytics Group; Commits to long hours of work when necessary to reach goals. Qualifications Expert-level familiarity with federal and state banking regulations, particularly HMDA, CRA, and UDAAP required Strong knowledge of consumer protection laws and regulations, consumer and small business lending operations, and community and economic development Excellent communicator across different audiences with the ability to adjust communication style as appropriate; ability to simplify complex topics and distill information down to essential points for a non-technical audience Excellent analytical, investigative, and problem-solving skills with attention to detail and concern for data accuracy Ability to engage and collaborate with a variety of internal and external stakeholders to communicate issues, leverage insights, and share expertise to influence decisions Strong ability to influence decision making across organization and leadership Extensive experience with non-profit community organizations Strong ability to read, analyze, and interpret financial reports and legal documents Ability to quickly develop proficiency in regulatory requirements, changes, implications, marketplace dynamics and the economic environment Experience with process and project management Ability to navigate and communicate effectively across team boundaries and across lines of business Detail-oriented self-starter who possesses strong investigative research abilities Ability to operate in a nuanced, highly regulated, and fast-paced environment Education and/or Experience Bachelor's Degree or, alternatively, 15 years senior-level compliance management experience Knowledge of statistical regression analysis and its use in fair banking monitoring required Prior fair and responsible banking compliance experience at a large bank subject to direct CFPB oversight and supervision preferred Prior experience as a Community Reinvestment Act Officer at a
Primary Duties and Responsibilities Monitor relevant regulatory and industry publications, and regularly participate in relevant events, conferences, and educational programs to stay informed of changes to fair and responsible banking requirements (e.g., CRA, ECOA, HMDA, UDAAP, etc.), emerging risks and evolving industry best practices Partner with key stakeholders to ensure loan, investment, and service activity produces desired CRA and fair lending outcomes Provide guidance to senior market managers and leaders on strategic and tactical plan development that supports the bank's Historically Black Colleges and Universities (HBCU) program Proactively identify and communicate fair and responsible banking (including CRA) performance issues, deficiencies, gaps, or other matters that may impact the Bank's ability to meet strategic its Fair and Responsible Banking Program objectives Acquire and maintain understanding of key business drivers, strategic plans for lines of business impacting fair and responsible banking (including CRA). Develop and promote recommendations to implement fair and responsible banking initiatives, strategies, and best practices that align with and support the achievement of business objectives Maintain clear understanding of the Fair and Responsible Banking Program (including CRA), current and future projects, and progress toward goals at all times Prepare and present material to executive leadership on CRA and fair and responsible banking performance Drive all activities to ensure lending and investment programs to meet the needs of low- and moderate- income households. Partner with executive management, senior market managers and leaders, Compliance Risk Data and Analytics, Legal, Product Managers, Treasury, Community Relations Officers, and Marketing. Partner with these leaders to establish, participate, and maintain relationships with community-based charitable and non-profit organizations. Develop and maintain strong business partner relationships across the business. Conduct regular and extensive community outreach throughout the bank's footprint to identify credit, service, and other needs within the community and work with executive leadership and senior market managers and leaders to develop programs and set goals to meet those needs through the bank's Fair and Responsible Banking Strategy Work with for-profit and not-for-profit organizations to identify opportunities to extend loans or make investments in facilities that promote community development within the bank's footprint, consistent with safe and sound banking practices Manage the Bank's CRA donations budget, ensuring requests for charitable contributions are from qualified not-for-profit organizations that provide impactful services to support to low- and moderate-income individuals, families, or neighborhoods Identify employee volunteer opportunities that qualify as community development service and work with the Project Enrich Leadership Team to promote opportunities and sign up volunteers in alignment with the bank's goals for Project Enrich and CRA-qualified service hours Prepare quarterly dashboards and annual self-assessments to achieve satisfactory or better fair and responsible banking examination reports (including CRA) Review marketing materials to ensure outreach to low- and moderate-income communities and minority communities Evaluate statistical data to inform sales and marketing campaigns that support the bank's Fair and Responsible Banking Program (including CRA) Serve as the liaison with regulators and internal/external auditors during fair and responsible banking evaluations and ad hoc requests Ensure the bank's enterprise fair and responsible banking training curricula (e.g., CRA, ECOA, HMDA, UDAAP, etc.) includes sufficient and appropriate training for employees and the board Consult with the Compliance Advisory Services team on complaints alleging discrimination or unfair treatment Assist in updating the CRA policies and/or risk assessment procedures, as needed Read, analyze and interpret financial reports, legal documents, governmental regulations and professional publications relative to compliance and regulatory matters Performs any other assignments as directed by the Chief Compliance Officer Supervisory Responsibilities This job has no supervisory responsibilities. Competencies Analytical Skills
Able to assess risk; Detail oriented, has excellent analytical problem solving and critical thinking skills; Strong technical troubleshooting skills and the ability to simultaneously juggle complex projects. Problem Solving
Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Works well in group problem solving situations; Uses reason even when dealing with emotional topics. Interpersonal Skills/Customer Service
Focuses on solving conflict, not blaming; Maintains confidentiality; Remains open to others' ideas and tries new things; Manages difficult or emotional customer situations; Responds to requests for service and assistance; Meets commitments. Oral and Written Communication
Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings; Writes clearly and informatively; Strong ability to communicate complex topics in a clear and concise manner; well honed business writing skills. Integrity and Trust
Earns the trust and respect of others through consistent honesty and professionalism in all interactions. Teamwork - Ability to work in a collaborative environment, as well as independently; Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Supports everyone's efforts to succeed. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports inclusion and diversity; Embraces trusted advisor role. Judgment and Motivation
Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions; Demonstrates persistence and overcomes obstacles. Planning/Organizing
Ability to multi-task and set priorities; Prioritizes and plans work activities; Uses time efficiently; Sets goals and objectives. Professionalism - Ability to deal with all levels of personnel in a courteous and effective manner; Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Flexibility
Ability to work under pressure on multiple tasks concurrently and meet deadlines in a fast-paced work environment with interruptions and changing priorities. Leadership
Creates a positive work environment where all staff are motivated to do their best; inspires and mobilizes others around a compelling vision; builds and leads high performing teams. Attendance/Punctuality and Dependability
Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Takes responsibility for own actions and that of all members of the Compliance Risk Data, Reporting and Analytics Group; Commits to long hours of work when necessary to reach goals. Qualifications Expert-level familiarity with federal and state banking regulations, particularly HMDA, CRA, and UDAAP required Strong knowledge of consumer protection laws and regulations, consumer and small business lending operations, and community and economic development Excellent communicator across different audiences with the ability to adjust communication style as appropriate; ability to simplify complex topics and distill information down to essential points for a non-technical audience Excellent analytical, investigative, and problem-solving skills with attention to detail and concern for data accuracy Ability to engage and collaborate with a variety of internal and external stakeholders to communicate issues, leverage insights, and share expertise to influence decisions Strong ability to influence decision making across organization and leadership Extensive experience with non-profit community organizations Strong ability to read, analyze, and interpret financial reports and legal documents Ability to quickly develop proficiency in regulatory requirements, changes, implications, marketplace dynamics and the economic environment Experience with process and project management Ability to navigate and communicate effectively across team boundaries and across lines of business Detail-oriented self-starter who possesses strong investigative research abilities Ability to operate in a nuanced, highly regulated, and fast-paced environment Education and/or Experience Bachelor's Degree or, alternatively, 15 years senior-level compliance management experience Knowledge of statistical regression analysis and its use in fair banking monitoring required Prior fair and responsible banking compliance experience at a large bank subject to direct CFPB oversight and supervision preferred Prior experience as a Community Reinvestment Act Officer at a