How To Get An Outstanding CRA Rating

Rheanna Rodriguez Rheanna Rodriguez

CRA expert and former FDIC examiner Rheanna Rodriguez will share the best practices to support an outstanding CRA rating. You will learn how to use data monitoring, qualitative and quantitative characteristics of community development activities, and sustained engagement of CRA activities.

Topics Covered

  • What elements are considered for your institution’s CRA rating?
  • How do small, intermediate-small, and large bank tests differ?
  • What are the best practices for developing a comprehensive CRA program?
  • What steps should you take to monitor and maintain your CRA program?
  • How can you complete a self-assessment of your CRA program?
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Scheduled for 60 minutes including question and answer period.

INFORMATION
Training Overview

So far in 2021, all the financial institutions assigned unsatisfactory Community Reinvestment Act (CRA) ratings of “needs to improve” or “substantial noncompliance” previously earned “satisfactory” or “outstanding” ratings. Very few banks have received “outstanding” ratings this year, with this category representing only 9% of those evaluated. You can reach this top tier!


Even if you believe you are adequately monitoring your lending data, you may still not be meeting the needs of your assessment area. Examiners will soon focus their attention on your institution.


You must master both the technical requirements of CRA and the other facets that can turn an adequate program into an outstanding program.

  • What elements are considered for your institution’s CRA rating?
  • How do small, intermediate-small, and large bank tests differ?
  • What are the best practices for developing a comprehensive CRA program?
  • What steps should you take to monitor and maintain your CRA program?
  • How can you complete a self-assessment of your CRA program?
Recommended Audience
Who Should Attend?
  • Bank chief executives
  • Executive directors
  • Board members
  • CRA officers
  • Community development officers
  • CRA staff
  • Compliance staff
  • Financial staff
  • Communications professionals
  • Risk officers
  • Auditors
What's included
Training includes
  • Certificate of Attendance
  • All resources and training materials
Rheanna Rodriguez
About

Expert Presenter

Rheanna Rodriguez
  • SVP, Director of Specialty Regulations at First Foundation Bank (FFB)
  • Oversees the risk assessment program
  • Previously a commissioned compliance examiner for the Southern California territory at the Federal Deposit Insurance Corporation (FDIC) for eight years
  • Led numerous compliance and CRA examinations at institutions ranging from $40 million to $60 billion in total assets size
  • BA in business administration with a concentration in marketing from the California State University, San Bernardino
  • MA in management from the University of Redlands
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