CRA Officer

Ocean Bank

CRA Officer at Ocean Bank overseeing CRA compliance strategy and partnership with cross-functional teams. Analyzing regulations and enhancing community impact through compliance excellence.

Posted 7/30/2026full-timeRemote • Florida • 🇺🇸 United StatesSeniorLeadWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates extensive knowledge of consumer regulations, including CRA, HMDA, ECOA, and Fair Lending, while effectively managing compliance programs and community development initiatives. Proven ability to analyze data, prepare reports, and provide training on regulatory requirements.

Highest-signal resume keywords

CRA Compliance AdministrationConsumer Regulations KnowledgeData Analysis and ReportingRegulatory Examination ManagementSupervisory Experience

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

CRA Compliance AdministrationData AnalysisRegulatory ComplianceRisk AssessmentPolicy DevelopmentCommunity Program ManagementConsumer Complaint ResolutionLending ComplianceRegulatory ReportingCompliance Documentation

Soft Skills

Excellent Communication SkillsInterpersonal SkillsOrganizational SkillsAttention to DetailSelf-Motivated

Tools & Technologies

MS Office SoftwareExcelWordOutlookPowerPointTeams

Industry Keywords

Community Reinvestment ActHome Mortgage Disclosure ActEqual Credit Opportunity ActFair LendingUnfair and Deceptive Practices ActFair Housing ActTRIDRESPATILABanking Regulations

About the role

Key responsibilities & impact

Lead and monitor the bank’s CRA program to support ongoing regulatory compliance and performance objectives.
Review and analyze CRA, HMDA, ECOA, Fair Lending, and related consumer compliance activities to identify trends, risks, and opportunities for improvement.
Partner with internal stakeholders to evaluate community development investments, donations, and service activities for CRA consideration and documentation.
Support and coordinate regulatory examinations, internal audits, and compliance reviews, including preparation of responses and supporting documentation.
Provide guidance, training, and subject matter expertise to business units on lending compliance requirements and regulatory expectations.
Assist in developing, enhancing, and maintaining compliance policies, procedures, monitoring reports, and risk assessments.
Prepare reporting and materials for management committees and help promote effective governance of CRA and consumer compliance initiatives.
Review and respond to consumer complaints as needed.
Review lending and other related advertising and marketing materials.
Responsible for attending regulatory, professional/trade and civic association meetings held related to CRA/HMDA/ECOA/Fair Lending compliance.
Serve as a trusted compliance partner by helping address regulatory questions, consumer complaints, and emerging compliance matters.

Requirements

What you’ll need

Bachelor’s degree in Business (Finance, Economics or Accounting).
7+ years of experience directly related to CRA/HMDA/ECOA/Fair Lending compliance administration.
3+ years in a supervisory or managerial position.
Extensive knowledge of consumer regulations, including but not limited to: Community Reinvestment Act, Home Mortgage Disclosure Act, Equal Credit Opportunity Act, Unfair and Deceptive Practices Act, Fair Housing Act, Fair Lending Interagency Statements, TRID, RESPA and TILA.
Periodic travel may be required to the branches and to outside organizations.
Combination of education and experience will be considered.
Proven ability to develop and manage community programs.
Experience with managing the CRA Compliance Examination process and proactively engaging with regulators.
Ability to use sound judgment and make critical decisions regarding CRA compliance with minimal supervision.
Experience with data analysis and reporting.
Knowledge of banking products and services.
Ability to understand and implement job related policies and procedures.
Must have strong familiarity with regulatory banking environment and banking regulations.
Must possess excellent verbal and written communication skills, interpersonal and organizational skills.
Highly self-motivated, self-directed, and attentive to detail.
Proficiency in MS Office Software, (Excel, Word, Outlook, Power Point, and Teams).

Benefits

Comp & perks

None 📊 Check your resume score for this job Improve your chances of getting an interview by checking your resume score before you apply. Check Resume Score