Community Development Officer

Bilingual required

Essential Duties and Responsibilities: The Community Development (Lending) Officer is responsible for developing and fostering organizational and business relationships within the community that Country Club Bank serves. As the Community Development Officer, this role is responsible for working with various lending areas to increase community development lending while assisting in development and delivery of products and services in low- and moderate-income communities within Bank’s assessments areas.

• Act as the primary point of contact between our organization and various lending programs, such as the Federal Home Loan Bank, Small Business Administration, and other community organizations and government and non-government agencies.
• Conduct comprehensive assessments of community development needs, identifying areas where lending programs can have the most significant impact and assist in developing sound loan programs designed to meet those needs.
• Conduct outreach financial literacy instruction in low to moderate-income communities
• Identify key performance indicators for each program; measure and report on the effectiveness of executed plans and return on investment. Develop recommendations for future programs based on findings.
• Partnering with an appropriate Lender partner, conduct loan/project due diligence, creating a clear and compelling narrative of loan strengths, weaknesses, and mitigating factors employing a creative, solutions-oriented approach to deal structuring and loan analysis.
• Partner with appropriate Lender partner to address any credit quality issues of existing loans in an expeditious and appropriate manner to mitigate potential loan losses.

• Engage with community members to understand their financial needs, challenges, and aspirations and connect them with appropriate lending programs and resources.
• Maintain a library of CRA resources.

• Represent the Bank at community events and other appropriate forums to establish relationships for loan programs, community outreach and lending opportunities.

• Ensure that all lending activities adhere to relevant laws, regulations, and organizational policies.

Job Qualifications/ Required Skills and Abilities:

• Proven ability to underwrite complex credits and negotiate terms and conditions
• Minimum of 5 or more years of experience in financial institution lending exhibiting increased level of responsibility and performance.

• Proficiency in multiple languages, specifically Spanish, required.
• Experience working in community development or similar roles preferred, including in-depth working knowledge of community reinvestment (CRA) type programs, CRA Modernization Act, as well as 1071 requirements
• Demonstrated leadership skills in a financial services and community bank environment.
• Knowledge of lending compliance, policies, and procedures is essential
• Broad understanding of other Bank products and services.
• Maintain a substantial and growing loan portfolio with regard to quantity and quality.
• Must be properly licensed and meet requirements with respect to National Mortgage Licensing System and Registry (NMLS).
• Bachelor’s degree in business, finance, economics, or related field preferred, or equivalent banking services experience.
• Superior verbal and written communications skills
• Exhibit and maintain high degree of professionalism
• Maintain high degree of confidentiality and integrity
• Ability to communicate effectively and professionally at all levels of the organization
• Excellent follow through and time management skills
• Strong attention to details
• Excellent organizational skills
• Must exhibit good business acumen
• Ability to multi-task and problems solve
• Proficient with PC, web, and Microsoft Office applications
• Must possess a can-do customer-service attitude/philosophy

Community Leadership:

Represents the bank and provides leadership in key community activities that may include business, charitable, civic and other social organizations to maintain a proper responsible citizen stature for the bank

Workplace Type:

Could be eligible for hybrid work schedule after 90 days upon management approval.

Experience

• Proven ability to underwrite complex credits and negotiate terms and conditions Minimum of 5 or more years of experience in financial institution lending exhibiting increased level of responsibility and performance. Proficiency in multiple languages, specifically Spanish, required. Experience working in community development or similar roles preferred, including in-depth working knowledge of community reinvestment (CRA) type programs, CRA Modernization Act, as well as 1071 requirements

Education

• Bachelors or better in Business Administration or related field

Licenses & Certifications

• NMLS

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)