Regional CRA Officer (Massachusetts)

This position is responsible for serving as liaison between the Bank and the community to develop and administer local CRA (Community Reinvestment Act) Programs to meet the specific credit and banking needs of the low-to-moderate income population in the community.  Assists Corporate CRA staff in meeting a variety of regulatory requirements and with the bi-annual CRA exam.

• Interact with public and private community leaders to assess community needs specific to the low-to-moderate income population and/or develop programming to address these needs. 
• Evaluate and support requests for CRA-related program or project funding from community organizations. 
• Represent the Bank at local CRA-related functions during and outside working hours to identify potential opportunities, raise the profile of the Bank and develop and expand CRA-related relationships.
• Compile and maintain required CRA-related information specific to assigned community to support and meet regulatory reporting requirements. 
• Work closely with internal business partners to obtain the required information to support CRA-related efforts.
• Monitor CRA performance to regulatory reporting requirements, including CRA Small Business/Small Farm and Home Mortgage Disclosure Act (HMDA) data to ensure continued compliance.
• Provide CRA performance updates for Regional management to ensure their awareness and support of the Bank’s CRA programs. 
• Attend industry conferences to enhance CRA regulation understanding and/or provide innovative ideas to meet the Bank’s CRA obligations.
• Participate actively in CRA-related boards and committees in the local community to support the Bank’s CRA programs. 
• Develop referral sources and actively seek and refer new business and program opportunities through this participation. 
• Represent CRA at appropriate internal committee meetings to ensure their awareness and support of CRA programs and initiatives.
• Conduct CRA training for new and existing employees within the businesses to ensure their awareness of CRA programs and initiatives. 
• Provide CRA program updates and advance notice of significant CRA-related events to management and Corporate Communications to ensure their continued awareness.  Assist in developing CRA-related external and internal communication vehicles to promote the Bank’s CRA programs.
• Ensure compliance with applicable laws and regulations and/or to protect the Bank.
• Work with employees from other departments to develop and/or implement CRA programs to fulfill the Bank’s CRA obligation.
• Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite.  Identify risk-related issues needing escalation to management.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
• Complete other related duties as assigned.

The position represents the Bank in the various regional communities and represents the Bank’s commitment to the community.

The position seeks to have an understanding of the community to develop an effective CRA program.

The position develops strong ties with government officials, directors of non-profit organizations and leaders of other community-based organizations to raise the profile of the Bank and develop and expand CRA-related relationships and program opportunities.

Bachelor’s degree and a minimum of 3 years’ proven CRA community development, customer-facing banking and/or non-profit experience,

OR in lieu of a degree,

A combined minimum 7 years’ higher education and/or work experience including a minimum of 3 years’ proven CRA community development, customer-facing banking and/or non-profit experience.

Proficiency with personal computers as well as pertinent word processing, spreadsheet, presentation and database software.

Strong customer service and interpersonal skills.

Strong verbal and written communication skills.

Strong organizational and decision-making skills.

Strong negotiations skills.

Detail-oriented.

Experience with the community development non-profit world, either through direct work experience or other volunteer participation.

Understanding of the interactions among the government, community development non-profit organizations and local business.

Prior banking experience, with experience in commercial and consumer lending.

Familiarity with regulatory compliance and/or governmental reporting requirements and processes

Office Location:

This role will work out of the following office location:

• 115 Federal Street, Boston, MA