Job Description

Mountain Pacific Bank is looking for a full-time  CRA/Compliance Officer  to join our team. 

Recognized by the Independent Community Bankers Association (ICBA) as one of the  Best Community Banks to Work For , Mountain Pacific Bank is committed to fostering a positive work environment, providing opportunities for professional development, and promoting a culture of inclusion, empowerment, and community engagement.

Started by 17 local business and outstanding community leaders, Mountain Pacific Bank is a Community Bank dedicated to serving Whatcom, Skagit, Snohomish, and King Counties. An equally important part of our plan is to reinvest in the community with resources, time and talents.

Your Role

The CRA Officer is responsible for compliance with regulations related to the Community Reinvestment Act and maintaining the Bank’s Satisfactory or better CRA rating. This position also plays a crucial role in assisting the Compliance and Audit Manager with the development, implementation, and administration of all aspects of the Bank’s Compliance Management Program.

Essential Responsibilities

Reasonable accommodation may be made to enable individuals with disabilities to perform these essential functions.

• Develops and executes the annual CRA performance plan, including coordination of third-party partners and bank staff in the delivery of CRA investments, products, and services in the bank’s CRA assessment areas.
• Manages CRA Activity Data Integrity including CRA donations, CRA investments, CRA service hours, and Community Development Loans.
• Leads and coordinates CRA Committee Meetings including preparation of meeting materials and leading discussion during the meeting. Updates the CRA public file as needed.
• Maintains an ongoing monitoring program to provide management with timely information about the bank’s CRA compliance position and gaps in CRA delivery of services, products, and investments to allow management to modify its goals and activities as required to maintain a Satisfactory CRA compliance rating.
• Develops and oversees the Lending Compliance Program that adheres to CRA, HMDA, ECOA, RESPA, TILA, Fair Credit Reporting, and any other loan state and/or federal regulatory requirement.
• Oversees actions of comprehensive self-testing, independent third party and regulatory audits; makes necessary preparations for such audits or exams; coordinates responses to external auditors and regulatory examiners; ensures deficiencies identified from such audits and examinations are corrected.
• Conducts various quality control reviews and monitoring that identify and escalate compliance risk; and implements internal controls and procedures that mitigate identified risk.
• Prepares written reports, including findings, analyses, conclusions, and action plans.
• Participates in various committees, audits, and examinations.
• Maintains proficient and current knowledge of all applicable banking rules, regulations, policies, and procedures.
• Applies consistently superior decision-making techniques pertaining to inquiries, approvals, and requests as they apply to existing policies and procedures, and regulations.
• Presents training materials, recommendations, and initiatives, as requested.
• Develops and manages a lending compliance training schedule for Bank employees.
• Completes other duties as assigned.

What You'll Bring

• Deep knowledge of CRA regulatory compliance requirements.
• Skill in the selection, development and management of vendors and community partners.
• Ability to maintain a high level of discretion and observe strict confidentiality requirements.
• Ability to conduct thorough research, assess regulatory requirements and assess successful completion of those requirements.
• Well-organized and detail oriented.
• Strong communication skills, both verbal and written.
• Ability to interact effectively and professionally with colleagues, supervisors, and auditors/examiners.
• Must be able to perform job functions independently or with limited supervision.
• Must be able to read and carry out various written instructions and follow oral instructions.
• Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics.
• Proficient in computer applications, reporting, and file/data systems.

Required Education and Experience

• 3 or more years of demonstrated strong CRA performance experience.
• 7 or more years of related financial institution or regulatory experience.
• CRCM certification preferred.
• Equivalent combination of education and experience.

  Physical Demands

While performing the duties of this job, the employee is constantly required to remain in a stationary position and operate a computer and other office productivity machinery, such as a multi-line telephone, copy machine, scanner, fax, and computer printer. The employee needs to frequently communicate with internal and external contacts and move about inside the office to access file cabinets, office machinery, etc. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment

• Climate controlled business office environment.
• Ability to work in artificial light for extended periods of time.
• Noise level is usually moderate.
• Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions and frequent interruptions during the day.
• This is a full-time, in-person position: Monday through Friday; 40 hours per week.
• Work requires regular attendance, punctuality, and adherence to an agreed-upon schedule with willingness to work a flexible and/or rotating schedule and/or extended hours, as needed.

Travel Required

• Occasional (5%-10%) local, non-overnight travel.
• Occasional (1-2 per year) domestic travel to industry-specific conferences.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. This job description does not constitute a written or implied contract of employment or otherwise modify the terminable-at-will employment relationship.

Mountain Pacific Bank is committed to equal employment opportunity. We will not discriminate against employees or applicants for employment on any legally recognized basis [“protected class”] including, but not limited to: veteran status, uniform service member status, race, color, age, religion, sex, national origin, physical or mental disability or any other protected class under federal, state or local law. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

Job Type: Full-time in person

Pay: $70,000 to $90,000

Benefits:

• Bonus Opportunity (based on company and individual performance)
• 401(k) with matching contribution
• Comprehensive medical, dental, and vision insurance with 100% of employee base premiums covered.
• Healthcare and Dependent Care Flexible Spending Account
• Minimum of 10 paid vacation days per year*, with minimum of 15 paid vacation days after 1 year of employment.
• 2 additional PTO days annually**
• 11 paid holidays
• 8 hours of paid sick time per month*
• Paid Life, AD&D, and Long-Term Disability insurance
• Employee assistance program
• Referral program
• Tuition reimbursement
• Mountain Pacific Bank account and loan perks

 *pro-rated from start date and/or hours worked 

**granted every January 1st

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