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CRA & Fair Banking Analyst

New York, NY

Come work with us:

Metropolitan Commercial Bank (the “Bank”) is a full-service commercial bank based in New York City. The Bank provides a broad range of business, commercial, and personal banking products and services to individuals, small businesses, private and public middle-market and corporate enterprises and institutions, municipalities, and local government entities.

Metropolitan Commercial Bank was named one of Newsweek’s Best Regional Banks and Credit Unions 2024. The Bank was ranked by Independent Community Bankers of America among the top ten successful loan producers for 2023 by loan category and asset size for commercial banks with more than $1 billion in assets. Kroll affirmed a BBB+ (investment grade) deposit rating on January 25, 2024. For the fourth time, MCB has earned a place in the Piper Sandler Bank Sm-All Stars Class of 2024.

Metropolitan Commercial Bank operates banking centers and private client offices in Manhattan, Boro Park, Brooklyn and Great Neck on Long Island in New York State.

The Bank is a New York State chartered commercial bank, a member of the Federal Reserve System and the Federal Deposit Insurance Corporation, and an equal housing lender. The parent company of Metropolitan Commercial Bank is Metropolitan Bank Holding Corp. (NYSE: MCB).

Position Summary:

The CRA & Fair Banking Analyst is responsible for supporting the Bank's CRA and Fair Banking Program (covering CRA, ECOA, FHA, HMDA and UDAAP) in compliance with regulatory requirements.

Support the Compliance Department in day-to-day management of the overall CRA program for Metropolitan Commercial Bank (the “Bank”), which includes assisting on the development of the Bank’s Community Reinvestment Program to ensure compliance with all federal and state laws and regulations.  Assist in developing and updating the Bank’s CRA compliance policies, procedures, and processes, and performing risk assessments.

In collaboration with the CRA and Fair Banking Director, help ensure business units are compliant with fair lending laws and regulations and fair/responsible banking laws and guidance. Help conduct fair lending statistical analyses and identify and address deficiencies. Help implement reporting processes for HMDA data and small business reporting.

This position reports directly to the CRA and Fair Banking Director, with exposure to the Chief Compliance Officer, as well as other departments within the Bank.  Being motivated, and passionate about consumer compliance, consumer compliance protection and having an entrepreneurial spirit to accomplishing goals and the business at hand is paramount. This individual will have the opportunity to contribute to the enhancement of the Metropolitan Commercial Bank (MCB) Consumer Compliance Program and Compliance Management System (CMS) while laying the groundwork for a scalable business. 

Essential duties and responsibilities:

  • With guidance and direction from the CRA and Fair Banking Director, perform fair lending and CRA analysis, including CRA and Fair Banking performance monitoring.
  • Assists the CRA and Fair Banking Director on any aspects of Lending, Investments and Services that impact the Bank’s CRA program, while maintaining up-to-date performance trackers for each section of the CRA exam.
  • Responsible for the collection of all CRA data, including but not limited to working with the Bank’s CFO, Chief Lending Officer, and other Executives regarding CRA qualified investments, all HMDA loan data, all CRA qualified community support donations and all employee hours donated in support of our community.
  • Assists the CRA and Fair Banking Director to maintain a current and complete copy of the Bank’s Public File, in accordance with policies and procedures.
  • Assists in the implementation, and maintenance of a fair banking and CRA compliance program.
  • Assists the CRA and Fair Banking Director on any aspects of maintaining compliance with fair banking rules and regulations, as well as CRA rules and regulations.
  • Responsible for the maintenance and operations of the Bank’s CRA and fair lending software, such as producing regulator-approved reports and maps, to assist with any fair lending and CRA analysis, with the expectation of becoming the software expert.
  • Supports the CRA and Fair Banking Director in Committee and Board presentations, data governance and data management.
  • Conducts compliance monitoring and testing as required by the CRA and Fair Lending Director and Compliance Monitoring & Testing team.
  • Helps support CMS projects and bank-wide compliance-related projects.
  • Helps 1st line business with development and enhancement of compliance controls.
  • Assists with other duties as assigned by Management.

Community Outreach: 

  • Helps represent the Bank in appropriate forums for community outreach, CRA Volunteerism and lending opportunities.

 Other Functions

  • Demonstrates high degree of professionalism in communication, attitude and teamwork with customers, peers and management
  • Demonstrates high level of quality work, attendance, and appearance
  • Adheres to all Company Policies & Procedures and Safety Regulations
  • Adheres to local, state, and federal laws
  • Understands and complies with all company rules and regulations
  • Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, as they apply to your position and job responsibilities, with an emphasis on the BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT-Identity Theft, Information Technology and GLBA.
  • Additional duties as assigned as it relates to the position

Required knowledge, skills and experience:

  • Must have a minimum of five years’ work experience in financial services, with community reinvestment and fair banking and/or equivalent experience a plus.
  • Bachelor’s degree.
  • Knowledge of the CRA, Fair Banking, Consumer Compliance and related regulations. CRCM certification is a plus.
  • Skills operating a personal computer including word processing, spreadsheet and presentation software. Proficiency in MS Office Suite, with strong emphasis on Excel and PowerPoint.
  • Ability to conduct thorough research, interpret and understand laws and regulations and provide workable recommendations and solutions to problems.
  • Ability to articulate the community outreach and affordable lending goals of the Bank.
  • Ability to work with community groups and government agencies.
  • Excellent written and oral communication skills.
  • Demonstrated analytical skills.
  • Strong organizational skills, ability to set priorities in a multi-task environment and meet deadlines, with attention to detail.
  • Ability to deal effectively with internal, and external contacts.
  • Effective analytical, organizational and technical skills with ability to reach logical conclusions.
  • Demonstrates sound judgment; comfortable dealing with ambiguity; weighs options and alternatives in a timely and effective manner.
  • Collaborative team-player who can find creative and practical solutions in a dynamic work environment.

 

Potential Salary: $120,000 - $135,000 annually

This salary range only reflects base wages and does not include benefits, bonus, or incentive pay. Salary bands are purposefully wide ranging to encompass the different factors considered in determining where a candidate falls in the range, including but not limited to, seniority, performance, experience, education, and any other legitimate, non-discriminatory factor permitted by law.

Metropolitan Commercial Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

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