Clinical Research Associate

This is a remote role that may only be hired in the following locations: North Carolina, Texas, or California.

This position is responsible for supporting the First Line of Defense (FLOD) Community Reinvestment Act (CRA) Lending Program. The role serves as a subject matter expert on Community Development (CD) Lending by partnering with business units, Credit, Relationship Managers, Community Development Officers, and Risk partners to identify, evaluate, document, and optimize community development lending opportunities. The analyst provides strategic and operational support to ensure qualifying loans are accurately identified, documented, and incorporated into the Bank's CRA program while supporting regulatory readiness, portfolio analysis, and continuous process improvement.

Community Development Lending Review & Qualification

• Interpret CRA regulations, Interagency Questions & Answers, and internal policy to determine Community Development Lending eligibility.
• Review proposed and existing loans to determine CRA qualification and prepare thorough rationale write-ups that accurately document eligibility.
• Verify supporting documentation and maintain complete loan files to support regulatory examinations and internal governance.
• Partner with business lines, Credit, Community Development Officers, and other stakeholders to resolve qualification questions and obtain required documentation.

CRA Lending Strategy & Program Support

• Support execution of the Bank's Community Development Lending strategy by identifying opportunities to increase qualified lending activity.
• Monitor lending trends and performance against CRA objectives and recommend initiatives to improve results.
• Assist in developing guidance, procedures, job aids, and training materials to improve consistency across the organization.
• Support implementation of new processes and enhancements that improve efficiency and data quality.

Analysis & Reporting

• Analyze Community Development Lending production, pipeline activity, and portfolio performance.
• Prepare recurring and ad hoc reporting for senior leadership, governance committees, and regulatory examinations.
• Identify trends, gaps, and emerging risks and provide recommendations for improvement.
• Support performance monitoring against annual CRA Lending goals and key performance indicators.

Regulatory Examination & Governance Support

• Assist with CRA examinations by preparing documentation, responding to examiner requests, and providing supporting analyses.
• Support governance documentation, procedures, and controls related to the Community Development Lending program.
• Ensure lending activities are documented in accordance with regulatory requirements and internal standards.

Business Partnership & Consultation

• Serve as a trusted resource for associates across the Bank regarding Community Development Lending requirements.
• Provide consultation to Relationship Managers, Community Development Officers, and business partners on structuring and documenting qualifying loans.
• Build collaborative relationships across business units to increase awareness and consistency of Community Development Lending opportunities.

Additional Responsibilities

• Support other CRA Program initiatives as assigned, including Assessment Area analysis, Public File maintenance, examination preparation, and special projects.
• Participate in strategic initiatives that strengthen the Bank's overall CRA performance.

Bachelor's Degree and 4 years of experience in Community Reinvestment, Program Management OR High School Diploma or GED and 8 years of experience in Community Reinvestment, Program Management

Preferred Area of Experience: Volunteer Management, Community Reinvestment Act (CRA) program compliance and examination

If hired in California, the base pay for this position is generally between $107,000 to $126,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at