1. The issue that Steve Bradshaw identified was the overall performance of the Community Reinvestment Act (CRA) department, which was the low ratings and non-compliance with the government regulations, which put the organization at risk for future growth. This is a symptom of an underlying problem. Since, the root of the problems is normally the cause for a problem. For example, the CRA department was using outdated processing methods, policies and procedures, poor performance assessment, and refuses to accept the idea of new innovation. Additionally, the organization wasn’t profitable, and failed to use the standards provided by BOK Financial for establishing loans for low-to-moderate income communities. After meeting with the board
