Posted July 2, 2007



Job Position CRA/HMDA/Fair Lending Program Manager
   
Reports to: VP, Regulatory Risk Management and Corporate Risk Officer
Department: Regulatory Risk Management
Supervises: 0
Education: Bachelor's Degree or equivalent work experience preferred.
Experience: Minimum of three (3) to five (5) years of banking experience directly working in the areas of CRA, HMDA and Fair Lending compliance.  Prior experience in performing CRA and Fair Lending self-evaluations in a banking institution required.  Prior regulatory examinations experience a plus.

Qualifications:  
Special Skills: Excellent problem solving and analytical skills.  Excellent oral, written communication and interpersonal communication skills, including the ability to prepare clear oral and written reports. Knowledge of CRA and HMDA reporting software required.  Good project management and organizational skills.  Proficient in Microsoft Office products. (Word, Excel, PowerPoint, Outlook)
Position Summary: Responsible for compliance with the Community Reinvestment Act (CRA), Home Mortgage Disclosure Act (HMDA) and Fair Lending laws and regulations.  Promotes and supports a comprehensive process to help ensure non-discriminatory practices.  Oversees the bank's HMDA and reporting processes.
Essential Duties
for the Position:
  1. Responsible for reviewing and monitoring regulatory compliance in the areas of CRA, HMDA and Fair Lending.
  2. Meets with community organizations to identify and recommend solutions to help meet the housing, community development, and banking needs of low-to-moderate income households within the bank's CRA assessment area.
  3. Monitors the bank's daily performance in regards to the CRA program.
  4. Reviews, implements and recommends changes (when needed) to the bank's CRA program.
  5. Provides assistance in CRA, HMDA and Fair Lending training.
  6. Answers questions related to CRA, HMDA and Fair Lending compliance.
  7. Attends bank CRA Committee, professional/trade and community group meetings.
  8. Maintains the bank's CRA Public file and notices.
  9. Assists the Corporate Risk Officer in updating the bank's compliance manuals and assisting with internal audits and regulatory examinations.
  10. Other duties as requested.


Federal Trust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of otherwise qualified disabled applicants and employees so long as this does not create an undue hardship on the company. Please see your manager should you have any questions about this policy or these job duties. This job description may not be all-inclusive and employees are expected to perform all other duties as assigned and/or directed by management. Job descriptions and duties may be modified when deemed appropriate by management.  Federal Trust is an EEO/AA Employer M/F/V/D. 

All employees are responsible for regulatory compliance as it relates to their position. Department managers are to be primarily responsible for maintaining proficient knowledge and day-to-day compliance with any laws or regulations relative to their departments. In addition, it is the responsibility of the department managers to notify the Compliance Officer if at any time they become aware of a situation which may place the Bank at risk of being out of compliance.

All employees have a responsibility to understand the Bank Secrecy Act as it relates to their job and to identify and report qualifying transactions to the Bank Secrecy Act Officer.