Director of Fair and Responsible Banking and Community Reinvestment

Origin Bank
remote work
United States, Texas, Longview
Aug 07, 2025
Primary Duties and Responsibilities Monitor relevant regulatory and industry publications, and regularly participate in relevant events, conferences, and educational programs to stay informed of changes to fair and responsible banking requirements (e.g., CRA, ECOA, HMDA, UDAAP, etc.), emerging risks and evolving industry best practices Partner with key stakeholders to ensure loan, investment, and service activity produces desired CRA and fair lending outcomes Provide guidance to senior market managers and leaders on strategic and tactical plan development that supports the bank's Historically Black Colleges and Universities (HBCU) program Proactively identify and communicate fair and responsible banking (including CRA) performance issues, deficiencies, gaps, or other matters that may impact the Bank's ability to meet strategic its Fair and Responsible Banking Program objectives Acquire and maintain understanding of key business drivers, strategic plans for lines of business impacting fair and responsible banking (including CRA). Develop and promote recommendations to implement fair and responsible banking initiatives, strategies, and best practices that align with and support the achievement of business objectives Maintain clear understanding of the Fair and Responsible Banking Program (including CRA), current and future projects, and progress toward goals at all times Prepare and present material to executive leadership on CRA and fair and responsible banking performance Drive all activities to ensure lending and investment programs to meet the needs of low- and moderate- income households. Partner with executive management, senior market managers and leaders, Compliance Risk Data and Analytics, Legal, Product Managers, Treasury, Community Relations Officers, and Marketing. Partner with these leaders to establish, participate, and maintain relationships with community-based charitable and non-profit organizations. Develop and maintain strong business partner relationships across the business. Conduct regular and extensive community outreach throughout the bank's footprint to identify credit, service, and other needs within the community and work with executive leadership and senior market managers and leaders to develop programs and set goals to meet those needs through the bank's Fair and Responsible Banking Strategy Work with for-profit and not-for-profit organizations to identify opportunities to extend loans or make investments in facilities that promote community development within the bank's footprint, consistent with safe and sound banking practices Manage the Bank's CRA donations budget, ensuring requests for charitable contributions are from qualified not-for-profit organizations that provide impactful services to support to low- and moderate-income individuals, families, or neighborhoods Identify employee volunteer opportunities that qualify as community development service and work with the Project Enrich Leadership Team to promote opportunities and sign up volunteers in alignment with the bank's goals for Project Enrich and CRA-qualified service hours Prepare quarterly dashboards and annual self-assessments to achieve satisfactory or better fair and responsible banking examination reports (including CRA) Review marketing materials to ensure outreach to low- and moderate-income communities and minority communities Evaluate statistical data to inform sales and marketing campaigns that support the bank's Fair and Responsible Banking Program (including CRA) Serve as the liaison with regulators and internal/external auditors during fair and responsible banking evaluations and ad hoc requests Ensure the bank's enterprise fair and responsible banking training curricula (e.g., CRA, ECOA, HMDA, UDAAP, etc.) includes sufficient and appropriate training for employees and the board Consult with the Compliance Advisory Services team on complaints alleging discrimination or unfair treatment Assist in updating the CRA policies and/or risk assessment procedures, as needed Read, analyze and interpret financial reports, legal documents, governmental regulations and professional publications relative to compliance and regulatory matters Performs any other assignments as directed by the Chief Compliance Officer Supervisory Responsibilities This job has no supervisory responsibilities. Competencies To perform the job successfully, an individual should demonstrate the following competencies: Analytical Skills- Able to assess risk; Detail oriented, has excellent analytical problem solving and critical thinking skills; Strong technical troubleshooting skills and the ability to simultaneously juggle complex projects. Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Works well in group problem solving situations; Uses reason even when dealing with emotional topics. Interpersonal Skills/Customer Service - Focuses on solving conflict, not blaming; Maintains confidentiality; Remains open to others' ideas and tries new things; Manages difficult or emotional customer situations; Responds to requests for service and assistance; Meets commitments. Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings; Writes clearly and informatively; Strong ability to communicate complex topics in a clear and concise manner; well honed business writing skills. Integrity and Trust - Earns the trust and respect of others through consistent honesty and professionalism in all interactions. Teamwork - Ability to work in a collaborative environment, as well as independently; Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Supports everyone's efforts to succeed. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports inclusion and diversity; Embraces trusted advisor role. Judgment and Motivation - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions; Demonstrates persistence and overcomes obstacles. Planning/Organizing - Ability to multi-task and set priorities; Prioritizes and plans work activities; Uses time efficiently; Sets goals and objectives. Professionalism - Ability to deal with all levels of personnel in a courteous and effective manner; Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Flexibility - Ability to work under pressure on multiple tasks concurrently and meet deadlines in a fast-paced work environment with interruptions and changing priorities. Leadership - Creates a positive work environment where all staff are motivated to do their best; inspires and mobilizes others around a compelling vision; builds and leads high performing teams. Attendance/Punctuality and Dependability - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Takes responsibility for own actions and that of all members of the Compliance Risk Data, Reporting and Analytics Group; Commits to long hours of work when necessary to reach goals. Qualifications To perform this job successfully, expert-level knowledge of regulatory Compliance Risk Management as well as Fair and Responsible Banking and related laws and regulations (including CRA) is required. Incumbent must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Expert-level familiarity with federal and state banking regulations, particularly HMDA, CRA, and UDAAP required Strong knowledge of consumer protection laws and regulations, consumer and small business lending operations, and community and economic development Excellent communicator across different audiences with the ability to adjust communication style as appropriate; ability to simplify complex topics and distill information down to essential points for a non-technical audience Excellent analytical, investigative, and problem-solving skills with attention to detail and concern for data accuracy Ability to engage and collaborate with a variety of internal and external stakeholders to communicate issues, leverage insights, and share expertise to influence decisions Strong ability to influence decision making across organization and leadership Extensive experience with non-profit community organizations Strong ability to read, analyze, and interpret financial reports and legal documents Ability to quickly develop proficiency in regulatory requirements, changes, implications, marketplace dynamics and the economic environment Experience with process and project management Ability to navigate and communicate effectively across team boundaries and across lines of business Detail-oriented self-starter who possesses strong investigative research abilities Ability to operate in a nuanced, highly regulated, and fast-paced environment Education and/or Experience Bachelor's Degree or, alternatively, 15 years senior-level compliance management experience Knowledge of statistical regression analysis and its use in fair banking monitoring required Prior fair and responsible banking compliance experience at a large bank subject to direct CFPB oversight and supervision preferred Prior experience as a Community Reinvestment Act Officer at a large regional bank preferred Certified Regulatory Compliance Manager (CRCM) or similar compliance certification preferred Experience in communicating with Executive leadership Experience with Kadince preferred Experience conducting/performing redlining analysis required Experience working as an examiner/regulator/executive director at a large nonprofit will be taken into consideration when determining prior senior-level compliance requirements have been met. Computer Skills To perform this job successfully, an individual should have advanced knowledge of Microsoft Office Suite, including Outlook, Word, Excel, PowerPoint, and Access. Power BI preferred. Ability to learn bank-specific software. Ability to use basic office machines. Bank Culture/Customer Service Skills Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank. Physical Demands While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus. Mental Demands Incumbent in this position must be able to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presumptions, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions. Work Environment The noise level in the work environment is usually moderate. This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the bank's sole discretion. Work Location Generally, within retail branch and operations footprint. Hybrid and/or remote work may be available at the bank's discretion. Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.