Summary:
The Community Development Officer plays a critical role in advancing Ephrata National Bank’s (ENB) commitment to strengthening communities and improving financial well-being. This role is responsible for building meaningful relationships within low- to moderate-income (LMI) communities, identifying opportunities to expand access to financial services, and delivering impactful financial education and community development initiatives.
This position serves as a bridge between ENB, community organizations, and clients—bringing the full value of the bank to individuals, families, and small businesses while fostering long-term engagement, trust, and financial empowerment. The role also supports consumer lending origination efforts by identifying borrowing needs and guiding clients through appropriate lending solutions.
Essential Functions:
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Community Engagement & Relationship Development:
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Actively engaged in the community to understand the needs of LMI individuals, families, and small businesses, identifying opportunities to support financial well-being and economic growth.
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Build and maintain strong relationships with nonprofit organizations, community groups, government agencies, and local leaders to expand ENB’s presence and impact.
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Represent ENB through board participation, community events, and speaking engagements to promote the bank’s mission and values.
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Partner with internal business lines to connect clients and community partners with appropriate banking products, services, and expertise.
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Leverage bilingual skills (when applicable) to effectively engage diverse communities and remove language barriers to financial access.
Financial Wellness & Client Engagement
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Lead financial education initiatives for individuals, families, and small businesses, focusing on budgeting, credit building, homeownership, and long-term financial stability.
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Facilitate group workshops and one-on-one financial conversations that promote strong financial habits and increased engagement with banking services.
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Serve as a trusted advisor by identifying client needs and providing tailored solutions that enhance financial well-being and deepen relationships.
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Identify consumer borrowing needs and support consumer loan origination, including education on loan products, application support, and referral or direct origination as appropriate.
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Equip community partners and internal teams with tools and resources to extend financial education efforts.
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Demonstrates high-level proficiency when opening consumer and business accounts, performing account maintenance, problem resolution, and conducting routine transactions.
Business Development & Growth
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Develop and manage a pipeline of community-based opportunities to drive new client acquisition, increase engagement, and grow market share within LMI segments.
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Collaborate with branch teams to support outreach strategies, referrals, and relationship expansion efforts.
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Proactively identify opportunities for both deposit growth and consumer lending production, contributing to overall portfolio growth.
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Leverage internal data, reporting tools, and market insights to proactively identify and convert business opportunities.
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Support the growth of deposits, lending, and overall household relationships through targeted outreach and partnership development.
Community Development
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Identify, develop, and support community development lending, investment, and service opportunities aligned with ENB’s strategic priorities.
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Maintain and document CRA-eligible activities, including community service, partnerships, and development initiatives.
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Collaborate with leadership to align community development efforts with ENB’s broader mission and market strategies.
Program & Partnership Management
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Coordinate and manage community development programs and initiatives that support financial inclusion and economic empowerment.
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Develop and implement grantmaking and sponsorship strategies to maximize community impact.
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Partner with nonprofit organizations to deliver financial education and connect clients to banking solutions.
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Support internal engagement by encouraging employee involvement in community service and nonprofit leadership opportunities.
Required Education and Experience:
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6 to 8 years of relevant experience.
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Bachelor’s degree in business, finance, community development, or a related field (or equivalent experience) strongly preferred.
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Experience in community development, banking, business development, or nonprofit partnership management.
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3 years of consumer lending experience, including real estate secured loans, strongly preferred.
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NMLS registration is required or must be obtained within 6 months of role acceptance.
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Strong understanding of financial products, services, and financial wellness principles.
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Knowledge of CRA regulations and community development practices.
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Proven ability to build relationships, influence stakeholders, and drive community-based initiatives.
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Excellent communication, presentation, and interpersonal skills.
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Bilingual (Spanish preferred or other languages relevant to the market) strongly preferred.
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Ability to work independently while collaborating across teams and markets.
Competencies:
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ENB Operational and Functional Competencies
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Relationship Building & Community Engagement
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Financial Wellness Advocacy
Supervisory Requirements:
This position may have supervisory responsibilities.
Work Environment:
This job operates in a professional work environment. This role routinely uses standard office equipment, including computers, monitors, mouse, keyboards, phones, printers, scanners, photocopiers, filing cabinets, calculators, and fax machines.
Physical Demands:
Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. The physical demands described here are representative of those that an employee must meet to successfully perform the essential functions of this job.
While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to stand, walk, use hands to finger, handle, or feel, and reach with hands and arms. This position may require long periods of standing.
Position Type and Expected Hours of Work:
This is a full-time position. Flexibility of schedule to meet business needs is required.
Salary: $77,600.00 - $121,250.00
Pay Transparency:
Salaries may vary based on geographic location, market data, and individual skills, experience, and education. This role is incentive-eligible, with payment based on company, business, and/or individual performance.
Benefits:
Additionally, as part of our Total Rewards program, Ephrata National Bank offers a comprehensive benefits package to eligible employees. This includes medical plans with prescription drug coverage; health savings account and/or flexible spending account; dependent care flexible spending account; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay, jury duty, and bereavement; disability insurance coverage and maternity and parental leave; educational assistance and a robust wellness program with financial incentives.
To learn more about your potential eligibility for these programs, please visit About | Careers | Benefits | Ephrata National Bank
Travel:
This position may require occasional travel.
EEO Statement
Ephrata National Bank is an equal opportunity employer and does not discriminate on the basis of any legally protected status or characteristic. Protected veterans and individuals with disabilities are encouraged to apply.
This job description reflects the bank’s assignment of essential functions and position responsibilities. Nothing in this job description restricts the bank’s rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank’s procedures and to act as a role model in adherence to the bank’s policies.
