Community Banking Manager - CRA and Fair Lending

The Community Banking Manager - CRA & Fair Lending Officer – 1st Line of Defense (1LOD) is responsible for integrating Community Reinvestment Act (CRA) and Fair Lending compliance into the daily operations of Retail Banking, Mortgage Lending, and Small Business across the bank’s southwestern footprint. This includes oversight of CRA-qualified lending, investments, services, and marketing to ensure that the bank meets the credit needs of low- and moderate-income (LMI), majority-minority (MMT), and underserved individuals and communities, while maintaining fair, inclusive, and non-discriminatory practices.

The officer plays a key role in coordinating volunteer activities, charitable donations, and community development finance efforts in collaboration with Marketing, Community Development, and second-line Compliance. This role ensures both proactive risk management and positive regulatory performance in Arizona, Colorado, New Mexico, and Nevada.

Key Responsibilities by Business Line

Retail Banking (Deposits, Consumer Lending, Branch Services):

• Support CRA-qualified retail lending initiatives targeting LMI borrowers and geographies
• Monitor product penetration and usage across LMI and underserved customer segments
• Partner with branch teams and marketing to ensure services are equitably accessible
• Track volunteer service hours and community engagement efforts
• Promote inclusive banking strategies, including alternative delivery channels

Mortgage and Home Equity Lending

• Collaborate with mortgage operations to promote access to credit for LMI and MMT applicants
• Monitor HMDA data and support fair lending analytics to identify pricing, denial, and product access disparities
• Provide input on Special Purpose Credit Programs (SPCPs) and community-based housing initiatives and down-payment assistance programs
• Analyze redlining risk across geographies and work with mortgage leadership on mitigation strategies

Small Business Lending

• Identify CRA-qualified small business lending opportunities in LMI census tracts or to small businesses with gross annual revenues under $1 million
• Support SBA loan programs and targeted outreach to minority- and women-owned businesses
• Assist in developing credit strategies that address small business financing gaps in underserved markets

CRA-Eligible Volunteer Coordination

• Serve as the regional point of contact for employee engagement in CRA-qualified service activities
• Coordinate financial literacy and technical assistance volunteer efforts that support LMI individuals or small businesses
• Partner with HR, branch managers, and Bank leadership to increase volunteer participation and align efforts with CRA goals
• Ensure proper tracking and documentation of volunteer service hours in CRA reporting systems
• Identify and maintain relationships with local nonprofits and community organizations for employee engagement

CRA-Eligible Charitable Donation Coordination

• Work with Community Development and Philanthropy teams to identify organizations and programs eligible for CRA-qualified donations
• Provide market-level input on community needs and gaps to inform grantmaking and sponsorship strategies
• Track the impact of donations on LMI communities and ensure proper regulatory documentation is maintained
• Coordinate with branches and regional leadership to align giving with local CRA strategies

CRA-Eligible Investment Coordination

• Partner with Community Development Investment teams to identify regional opportunities for CRA-qualified equity investments, loan funds, or CDFI partnerships
• Support internal due diligence and justification of CRA eligibility for investment activities
• Provide market insights on affordable housing, economic development, and small business financing needs
• Track performance and community outcomes tied to investments in assigned markets

Community Development Lending Support

• Identify and support opportunities for community development lending that meet CRA regulatory definitions—affordable housing, economic development, revitalization/stabilization, or community services
• Collaborate with Commercial, CRE, and SBA lending teams to source and structure loans that provide tangible benefits to LMI individuals or communities
• Assist with the pipeline of potential CRA-eligible deals and assist with documentation and data integrity
• Monitor lending performance by geography and assess areas with potential gaps in community development finance

Marketing Collaboration – CRA & Fair Lending Focus

CRA Support:

• Co-develop outreach strategies for LMI and MMT communities, promoting affordable products, community services, and financial inclusion programs
• Inform content creation and marketing distribution based on CRA assessment area needs and demographics
• Ensure that digital and in-person engagement aligns with CRA service expectations

Fair Lending Support:

• Partner with Marketing and Fair Lending Compliance to review campaigns for equitable geographic and audience representation
• Support strategies to increase outreach to majority-minority census tracts and limited English proficiency (LEP) populations
• Analyze results of marketing campaigns for fair lending risk indicators, such as differential outreach or exclusionary targeting

Cross-Functional CRA & Fair Lending Responsibilities (1LOD)

• Align business unit performance with CRA goals and regulatory expectations
• Monitor and report on lending and service performance across the four assigned states
• Participate in self-assessments and readiness efforts for regulatory CRA and Fair Lending exams
• Serve as a subject matter expert in business planning, issue escalation, and community-focused innovation
• Coordinate with 2LOD Compliance, Legal, Marketing, and Community Development partners to ensure seamless execution of programs

Qualifications

• Bachelor’s degree in Business, Finance or a related field and 8+ yrs of CRA compliance, banking, mortgage and/or small business compliance regulations, community development activities, underwriting, or other directly related experience.
• Minimum 2 years' experience managing a comprehensive community reinvestment program. A combination of education and experience may meet job requirements.
• Relevant certifications (CRCM, CRA/Fair Lending Certificates) preferred
• Deep knowledge of OCC Large Bank CRA requirements, HMDA, ECOA/Reg B, and other fair lending laws
• Experience with Retail, Mortgage, and Small Business operations and risk
• Familiarity with CRA data tools and regulatory reporting systems (CRA Wiz, Kadince, BI dashboards, etc.)
• Experience coordinating community partnerships, donations, or investments a plus
• Strong communication and relationship management skills across internal and external stakeholders

Working Conditions

• Office within Arizona, Colorado, New Mexico, or Nevada, travel 30-40%
• Occasional evening or weekend participation in community events, CRA forums, or volunteer activities

Salary Range

This position is eligible to earn a base salary in the range of $135,000 - $195,000 annually depending on job-related factors such as level of experience and location.

Benefits

• Medical, Dental and Vision Insurance - START DAY ONE! 
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
• Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
• Employee Ambassador preferred banking products