First Financial Bank NA · 1 day ago
CRA & HMDA Officer
Terre Haute, IN
Contract
Hybrid
Mid, Senior LevelFirst Financial Bank is a dynamic financial institution with over $5.5 billion in assets and a proud history dating back to 1834. In the CRA & HMDA Officer role, you will oversee vital regulatory programs related to the Community Reinvestment Act and Home Mortgage Disclosure Act while collaborating across departments to enhance community outreach and compliance efforts.
AccountingBankingFinancial Services
Responsibilities
Lead CRA & HMDA Compliance: Oversee the bank’s CRA and HMDA programs to ensure regulatory alignment and performance excellence
Manage Reporting Processes: Supervise accurate collection, validation, and submission of Loan Application Register (LAR) data for HMDA reporting
Chair the CRA Committee: Guide the committee’s agenda, lead discussions, and ensure alignment with community development objectives
Analyze Lending Performance: Develop and maintain statistical analysis of CRA-related lending, investments, and services, with emphasis on low-to-moderate income areas
Collaborate Across Departments: Partner with business units, compliance, risk, and audit teams to assess trends, manage risks, and enhance community outreach
Support Regulatory Examinations: Serve as the bank’s liaison with examiners for CRA and Fair Lending reviews and maintain thorough documentation
Monitor Regulatory Changes: Track evolving CRA, HMDA, and Fair Lending regulations and recommend updates to programs and policies as needed
Promote Fair Lending Practices: Support internal fair lending monitoring and analysis, including redlining, underwriting, pricing, and denial trend reviews
Recommend Program Enhancements: Evaluate CRA product effectiveness and propose strategic improvements to better serve target communities
Qualification
Required
Bachelor's degree in business or finance or equivalent experience
Regulatory compliance experience with strong knowledge of CRA, HMDA, and Fair Lending laws and regulations
Experience using fair lending tools (e.g., Questsoft, Marquis, WIZ, N contracts)
Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint)
Analytical mindset with the ability to translate data into action
Excellent written and verbal communication skills
Self-starter able to manage complex programs independently
Ability to collaborate with all levels of the organization and regulatory bodies
Ability occasionally to work locations within driving distance
Ability to remain in a stationary position for up to 75% of an eight (8) hour workday
Ability to review information and details at close range (within a few feet)
Benefits
Medical, dental, vision, and employer-paid life and disability insurance.
401(k) match, Employee Stock Ownership Program (ESOP), and banking benefits.
Paid time off, including 11 Federal Reserve bank holidays.
Tuition assistance and professional development programs.
Company
First Financial Bank NA
Since 1834, First Financial Bank has been empowering individuals and communities with secure, innovative financial solutions.
Founded in 1834
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Norm Lowery
Chief Executive Officer
Mark Franklin
SVP, Chief Lending Officer
Recent News
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