Full-Time
Community Banking Manager
CRA and Fair Lending
Posted on 9/19/2025
Zions Bank
1,001-5,000 employees
Offers retail and commercial banking services
Compensation Overview
$135k - $195k/yr
New Mexico, USA + 3 more
More locations: Nevada, USA | Arizona, USA | Colorado, USA
Hybrid
 Finance & Banking (1) |
|---|
- Bachelor’s degree in Business, Finance or a related field and 8+ yrs of CRA compliance, banking, mortgage and/or small business compliance regulations, community development activities, underwriting, or other directly related experience.
- Minimum 2 years' experience managing a comprehensive community reinvestment program. A combination of education and experience may meet job requirements.
- Relevant certifications (CRCM, CRA/Fair Lending Certificates) preferred
- Deep knowledge of OCC Large Bank CRA requirements, HMDA, ECOA/Reg B, and other fair lending laws
- Experience with Retail, Mortgage, and Small Business operations and risk
- Familiarity with CRA data tools and regulatory reporting systems (CRA Wiz, Kadince, BI dashboards, etc.)
- Experience coordinating community partnerships, donations, or investments a plus
- Strong communication and relationship management skills across internal and external stakeholders
- Support CRA-qualified retail lending initiatives targeting LMI borrowers and geographies
- Monitor product penetration and usage across LMI and underserved customer segments
- Partner with branch teams and marketing to ensure services are equitably accessible
- Track volunteer service hours and community engagement efforts
- Promote inclusive banking strategies, including alternative delivery channels
- Collaborate with mortgage operations to promote access to credit for LMI and MMT applicants
- Monitor HMDA data and support fair lending analytics to identify pricing, denial, and product access disparities
- Provide input on Special Purpose Credit Programs (SPCPs) and community-based housing initiatives and down-payment assistance programs
- Analyze redlining risk across geographies and work with mortgage leadership on mitigation strategies
- Identify CRA-qualified small business lending opportunities in LMI census tracts or to small businesses with gross annual revenues under $1 million
- Support SBA loan programs and targeted outreach to minority- and women-owned businesses
- Assist in developing credit strategies that address small business financing gaps in underserved markets
- Serve as the regional point of contact for employee engagement in CRA-qualified service activities
- Coordinate financial literacy and technical assistance volunteer efforts that support LMI individuals or small businesses
- Partner with HR, branch managers, and Bank leadership to increase volunteer participation and align efforts with CRA goals
- Ensure proper tracking and documentation of volunteer service hours in CRA reporting systems
- Identify and maintain relationships with local nonprofits and community organizations for employee engagement
- Work with Community Development and Philanthropy teams to identify organizations and programs eligible for CRA-qualified donations
- Provide market-level input on community needs and gaps to inform grantmaking and sponsorship strategies
- Track the impact of donations on LMI communities and ensure proper regulatory documentation is maintained
- Coordinate with branches and regional leadership to align giving with local CRA strategies
- Partner with Community Development Investment teams to identify regional opportunities for CRA-qualified equity investments, loan funds, or CDFI partnerships
- Support internal due diligence and justification of CRA eligibility for investment activities
- Provide market insights on affordable housing, economic development, and small business financing needs
- Track performance and community outcomes tied to investments in assigned markets
- Identify and support opportunities for community development lending that meet CRA regulatory definitions—affordable housing, economic development, revitalization/stabilization, or community services
- Collaborate with Commercial, CRE, and SBA lending teams to source and structure loans that provide tangible benefits to LMI individuals or communities
- Assist with the pipeline of potential CRA-eligible deals and assist with documentation and data integrity
- Monitor lending performance by geography and assess areas with potential gaps in community development finance
- Co-develop outreach strategies for LMI and MMT communities, promoting affordable products, community services, and financial inclusion programs
- Inform content creation and marketing distribution based on CRA assessment area needs and demographics
- Ensure that digital and in-person engagement aligns with CRA service expectations
- Partner with Marketing and Fair Lending Compliance to review campaigns for equitable geographic and audience representation
- Support strategies to increase outreach to majority-minority census tracts and limited English proficiency (LEP) populations
- Analyze results of marketing campaigns for fair lending risk indicators, such as differential outreach or exclusionary targeting
- Align business unit performance with CRA goals and regulatory expectations
- Monitor and report on lending and service performance across the four assigned states
- Participate in self-assessments and readiness efforts for regulatory CRA and Fair Lending exams
- Serve as a subject matter expert in business planning, issue escalation, and community-focused innovation
- Coordinate with 2LOD Compliance, Legal, Marketing, and Community Development partners to ensure seamless execution of programs
- Relevant certifications (CRCM, CRA/Fair Lending Certificates) preferred
- Experience coordinating community partnerships, donations, or investments a plus
Zions Bank is a financial institution that provides traditional banking services to individuals and businesses, including personal and business accounts, loans, mortgages, and investment services, delivered through branches and digital channels. The company differentiates itself by prioritizing people—employees, clients, and communities—through strong benefits, learning opportunities, community involvement, and autonomy that enables employees to grow in their roles. This focus on people and community sets Zions Bank apart from competitors that may emphasize products alone. The goal is to help customers succeed financially while also empowering employees and serving as a premier employer of choice that contributes to the communities it serves.
Company Size
1,001-5,000
Company Stage
N/A
Total Funding
N/A
Headquarters
Salt Lake City, Utah
Founded
1873
Simplify's Take
What believers are saying
- Callister's regional market knowledge accelerates commercial banking growth in Utah-Idaho-Wyoming territory.
- Wells Fargo talent influx enhances sales processes, training, and strategic advisory capabilities.
- Regional leadership appointments drive market share gains and profitability across three-state footprint.
What critics are saying
- Three CEO changes in 18 months triggers depositor flight and commercial client loss.
- Callister's six-month tenure at Zions creates execution risk in commercial banking strategy.
- Competitors U.S. Bank and D.L. Evans erode market share in Eastern Idaho/Wyoming.
What makes Zions Bank unique
- Nate Callister brings 20 years Wells Fargo commercial banking expertise to Utah-Idaho-Wyoming markets.
- Christina Miles strengthens sales culture with 15 years Wells Fargo business development experience.
- Catherine Arik leads Eastern Idaho/Wyoming region expansion across 13 Idaho branches plus Wyoming.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
Paid Parental Leave
Adoption Assistance
Health Savings Account/Flexible Spending Account
Unlimited Paid Time Off
Paid Vacation
Paid Sick Leave
Paid Holidays
401(k) Company Match
Profit Sharing
Mental Health Support
Tuition Reimbursement
Company News
World Trade Center Utah has appointed Nate Callister, president and CEO of Zions Bank, to its board of directors. Callister, who also serves as executive vice president of Zions Bancorporation, brings over 25 years of commercial banking leadership experience. Zions Bank has been a key partner for WTC Utah, providing trade finance, risk-management solutions and banking infrastructure to help Utah businesses expand globally. The bank, founded in Utah in 1873, is headquartered in Salt Lake City. WTC Utah's board is currently chaired by Jeff Flake, former US senator and ambassador to Turkey. The organisation aims to make Utah "the crossroads of the world" by supporting international business opportunities. On 6-7 May, WTC Utah will co-host the Zions Bank Crossroads of the World International Trade Summit in Salt Lake City.
Miles joins Zions Bank in senior vice president role. Christina Miles has joined Zions Bank as senior vice president and director of sales, responsible for developing and elevating the bank's sales culture, including processes, training, recognition and reporting. Based in Boise, Idaho, Christina has more than 20 years of commercial banking experience and most recently spent 15 years as vice president and Business Development officer for Wells Fargo. She earned her bachelor's degree and MBA from Northwest Christian University (now Bushnell University) in Eugene, Oregon, and serves on the Idaho Manufacturing Alliance board of directors. She is an active member of the Idaho-Oregon Fruit and Vegetable Association and Blood Cancer United. "We're excited for the impact Christina will make in driving growth and strengthening our sales culture across Zions Bank in this newly created position," said Executive Vice President of Commercial Banking Nathan Callister. "We're excited to see how she will help our Zions Bankers continue to develop as strategic advisors, bringing the full bank's capabilities to their clients and prospects."
Zions Bank was ranked No. 1 for SBA 7(a) loan approvals in the Boise District for 2024.
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