The responsibilities of this position include supporting the Bank’s Community Reinvestment Act (“CRA”) Program. This position will support the program through assistance in maintaining Trustmark’s Satisfactory or better regulatory ratings that apply to the CRA Program. This senior compliance position combines knowledge and experience with CRA-related regulations to forecast regulatory standing through performance measurement as well as fair and responsible banking regulations to adequately support the program. It is responsible for identifying potential areas of concern to improve Trustmark’s internal controls and reduce risk exposure. This position also performs the data analysis required for the calculation of the evaluation measures, inclusive of retail lending distribution tests, general performance standards, and presumptive CRA ratings.
ResponsibilitiesSenior CRA Compliance Risk Analyst I
Monitor CRA activities (lending, service, and investments) conducted by all areas of the bank for accuracy, eligibility, and completenessExamine first-line performance in CRA activities to determine if the line of business units or functional areas remain compliant with the CRAMaintain accurate workpapers that clearly describe the work performed, qualifying documentation, results of monitoring/testing, and any analyses conductedDeliver periodic reporting on performance to applicable committees and working groupsIdentify gaps and recommend new or revised policies, procedures, or monitoring methodsAssist in developing and updating departmental proceduresSupport change management project development and implementationProactively research and summarize new and existing relevant regulations or examination manuals for application to company policies and procedures using existing resources, tools, subscriptions and training coursesSupport the CRA team and Fair and Responsible Banking and Compliance Department, as neededPerform additional duties as assignedSenior CRA Compliance Risk Analyst II
Assist in developing and calculating performance measurements using historical data, lending distribution tests, and other evaluation measures and enhanced reportingPartner with CRA Management in determining the bank’s annual CRA training needsSupport the execution of the CRA Performance Context and self-assessmentMonitor CRA activities (lending, service, and investments) conducted by all areas of the bank for accuracy, eligibility, and completenessExamine first-line performance in CRA activities to determine if the line of business units or functional areas remain compliant with the CRAMaintain accurate workpapers that clearly describe the work performed, qualifying documentation, results of monitoring/testing, and any analyses conductedDeliver periodic reporting on performance to applicable committees and working groupsIdentify gaps and recommend new or revised policies, procedures, or monitoring methodsAssist in developing and updating departmental proceduresSupport change management project development and implementationProactively research and summarize new and existing relevant regulations or examination manuals for application to company policies and procedures using existing resources, tools, subscriptions and training coursesSupport the CRA team and Fair and Responsible Banking and Compliance Department, as neededPerform additional duties as assigned QualificationsSenior CRA Complaince Risk Analyst I
Four-year degree or equivalent combination of education, training, or work experience. Minimum four (4) years of experience in compliance, audit, risk management, or an analytical role in a midsize bank or larger.Demonstrated knowledge of fair and responsible lending/banking with proficiency in applying these principlesThorough knowledge of bank operationsStrong Microsoft Office skillsAbility to pass an intermediate Excel testWord formatting and graphicsPowerPoint presentationStrong attention to detail, accuracy, and adherence to deadlinesExcellent verbal, written, and interpersonal communication skillsSuperior organizational and planning skillsAbility to exercise sound judgment and work independentlyPreferred:
CRA, UDAAP, or Fair Lending experience preferred
Senior CRA Complaince Risk Analyst II
Minimum six (6) years of experience in compliance, audit, risk management, or an analytical role in a midsize bank or largerStrong knowledge of fair and responsible lending/banking with demonstrated proficiency in applying these principlesThorough knowledge of bank operationsAdvanced Microsoft Office skills Ability to pass an intermediate Excel testWord formatting and graphicsPowerPoint presentationsAdvanced research, critical thinking, and analytical skills Advanced attention to detail, accuracy, and adherence to deadlinesExcellent verbal, written, and interpersonal communication skillsSuperior organizational and planning skillsAbility to exercise sound judgment and work independentlyCRA, UDAAP, or Fair Lending experience preferredCRCM, CRACP, or equivalent relevant certification preferredPhysical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.
Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.
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