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 geographiesMonitor product penetration and usage across LMI and underserved customer segmentsPartner with branch teams and marketing to ensure services are equitably accessibleTrack volunteer service hours and community engagement effortsPromote inclusive banking strategies, including alternative delivery channels Mortgage and Home Equity LendingCollaborate with mortgage operations to promote access to credit for LMI and MMT applicantsMonitor HMDA data and support fair lending analytics to identify pricing, denial, and product access disparitiesProvide input on Special Purpose Credit Programs (SPCPs) and community-based housing initiatives and down-payment assistance programsAnalyze redlining risk across geographies and work with mortgage leadership on mitigation strategies Small Business LendingIdentify CRA-qualified small business lending opportunities in LMI census tracts or to small businesses with gross annual revenues under $1 millionSupport SBA loan programs and targeted outreach to minority- and women-owned businessesAssist 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 activitiesCoordinate financial literacy and technical assistance volunteer efforts that support LMI individuals or small businessesPartner with HR, branch managers, and Bank leadership to increase volunteer participation and align efforts with CRA goalsEnsure proper tracking and documentation of volunteer service hours in CRA reporting systemsIdentify 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 donationsProvide market-level input on community needs and gaps to inform grantmaking and sponsorship strategiesTrack the impact of donations on LMI communities and ensure proper regulatory documentation is maintainedCoordinate 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 partnershipsSupport internal due diligence and justification of CRA eligibility for investment activitiesProvide market insights on affordable housing, economic development, and small business financing needsTrack 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 servicesCollaborate with Commercial, CRE, and SBA lending teams to source and structure loans that provide tangible benefits to LMI individuals or communitiesAssist with the pipeline of potential CRA-eligible deals and assist with documentation and data integrityMonitor 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 programsInform content creation and marketing distribution based on CRA assessment area needs and demographicsEnsure 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 representationSupport strategies to increase outreach to majority-minority census tracts and limited English proficiency (LEP) populationsAnalyze 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 expectationsMonitor and report on lending and service performance across the four assigned statesParticipate in self-assessments and readiness efforts for regulatory CRA and Fair Lending examsServe as a subject matter expert in business planning, issue escalation, and community-focused innovationCoordinate 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) preferredDeep knowledge of OCC Large Bank CRA requirements, HMDA, ECOA/Reg B, and other fair lending lawsExperience with Retail, Mortgage, and Small Business operations and riskFamiliarity with CRA data tools and regulatory reporting systems (CRA Wiz, Kadince, BI dashboards, etc.)Experience coordinating community partnerships, donations, or investments a plusStrong 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 AssistanceHealth Savings (HSA), Flexible Spending (FSA) and dependent care accountsPaid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays401(k) plan with company match, Profit Sharing, competitive compensation in line with work experienceMental health benefits including coaching and therapy sessionsTuition 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 hireEmployee Ambassador preferred banking products