Enterprise Bank & Trust was founded in the spirit of entrepreneurship and community. From the small mom-and-pop coffee shop to the large construction company that employs local people, our goal is to help businesses succeed and our communities thrive.

With offices in Arizona, California, Florida, Kansas, Missouri, New Mexico, Nevada and Texas, we're strong, growing and committed to supporting the communities we serve. We extend this commitment to the community to our associates, offering annual paid volunteer time off and charitable-matching opportunities. Voted a Best Bank to Work For by American Banker for multiple years, we offer our associates an array of benefits and the opportunity to chart their own career path with us. Join us in the pursuit of our mission to guide people to a lifetime of financial success, and enjoy a career filled with professional growth opportunities, interesting colleagues and the satisfaction of supporting our communities.

Together, there's no stopping you!

Job Title

Community Reinvestment Act Specialist

Job Description

Summary

The CRA Specialist assists the CRA Manager with documentation, tracking and analysis of lending data for the Bank consistent with the requirements of the Community Reinvestment Act (CRA) and the Home Mortgage Disclosure Act (HMDA). Performs quality control and testing to assess compliance with CRA and HMDA.

Essential Duties and Responsibilities

Ensure the Bank's compliance with the Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) reporting requirements.
Accountable for the compilation, submission and accuracy of the HMDA and CRA Loan Application Registers (LARs), which are the basis of CRA and Fair Lending Compliance Examinations
Assist in creation and maintain the Bank's LARs, HMDA data, and CRA Small Business/Farm loans
Conduct an independent review and validation of loan data to ensure accuracy and compliance with the HMDA regulations; identify and recommend improvements where necessary
Work with business units to obtain data and ensure compliance with HMDA
Monitor and review changes in laws and regulations regarding HMDA and CRA
Prepare reports for management, including Fair Lending and CRA departments
Provide support and assistance to the HMDA Compliance Manager in the administration of workflows and other responsibilities as needed

Qualifications

Excellent communication, organizational, and writing abilities
Multitasking ability in a fast-paced environment
CRA Software knowledge, including RiskExec
Focused on regulatory compliance

Supervisory Responsibilities

None

Education and/or Experience

High school diploma or equivalent required
Minimum two (2) years' experience and working knowledge of consumer protection laws and regulations that impact financial institutions, including HMDA and CRA required

Computer and Software Skills

Proficiency in Microsoft Office and Google Workspace
RiskExec
SalesForce

Certificates, Licenses and Registrations

None

Equal Opportunity Statement

Enterprise Bank & Trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobs. If you need an accommodation in order to apply for a position at Enterprise Bank & Trust please contact Human Resources at hr@ .

Enterprise Bank & Trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and live. We are proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability. All employment offers are contingent upon the applicant successfully completing both drug and background check screenings. If you would like more information about your EEO rights as an applicant under the law, please click HERE .

Qualifications

Excellent communication, organizational, and writing abilities
Multitasking ability in a fast-paced environment
CRA Software knowledge, including RiskExec
Focused on regulatory compliance
High school diploma or equivalent required
Minimum two (2) years' experience and working knowledge of consumer protection laws and regulations that impact financial institutions, including HMDA and CRA required
Computer and Software Skills:
Proficiency in Microsoft Office and Google Workspace
SalesForce

Benefits

Responsibilities

The CRA Specialist assists the CRA Manager with documentation, tracking and analysis of lending data for the Bank consistent with the requirements of the Community Reinvestment Act (CRA) and the Home Mortgage Disclosure Act (HMDA)
Performs quality control and testing to assess compliance with CRA and HMDA
Ensure the Bank's compliance with the Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) reporting requirements
Accountable for the compilation, submission and accuracy of the HMDA and CRA Loan Application Registers (LARs), which are the basis of CRA and Fair Lending Compliance Examinations
Assist in creation and maintain the Bank's LARs, HMDA data, and CRA Small Business/Farm loans
Conduct an independent review and validation of loan data to ensure accuracy and compliance with the HMDA regulations; identify and recommend improvements where necessary
Work with business units to obtain data and ensure compliance with HMDA
Monitor and review changes in laws and regulations regarding HMDA and CRA
Prepare reports for management, including Fair Lending and CRA departments
Provide support and assistance to the HMDA Compliance Manager in the administration of workflows and other responsibilities as needed

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