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Lender

Working for Community Action offers opportunities, an environment, benefits and a mission you won't find anywhere else. If you're motivated and want to be part of an organization that helps improve the community- then this is the opportunity for you.

The Lender is responsible for developing new business, underwriting, structuring and closing of commercial loans, as well as maintaining and servicing a commercial loan portfolio. The Lender will also represent RTCLF in its market area through active participation in community affairs.

Program: Rising Tide Community Loan Fund

Employment Type:  Exempt

Starting Salary:$45,000 up to $60,000

Benefits Include:

  • Comprehensive Health Benefits – Medical, Dental, Vision and Prescription
  • Agency paid Life Insurance and Long Term Disability Insurance
  • 401 (k) Retirement Plan with agency contribution
  • Generous Paid Leave Time- 
    • Vacation- 15 Days: Earn more time after 2 and 5 year anniversaries
    • 9 Observed Holidays
    • Sick- 9 Days annually

Job Duties:

  • Interviews participants to determine funding needs.
  • Obtains participant’s credit reports, background checks, reference checks and other information pertinent to the underwriting process.
  • Analyzes participant’s financial status, credit, and asset evaluation to determine feasibility of granting loan.
  • Resolves uncertainties relating to participant’s application information through inquiries with participant or creditors.
  • Determines proper loan product to meet participant’s needs and establishes credit limit through written and/or oral assessment.
  • Structures request within loan policy. Prepares and presents applications to Associate Executive Director for Business Development and/or Loan Committee for consideration.
  • Communicates decision to participant in a timely, clear and concise manner.
  • Prepares and reviews loan documentation, prior to closing, for completeness and acceptance by the participant.
  • Ensures timely loan closing and funding activities.
  • Maintains a positive working relationship with program participants, RTCLF and CACLV staff, local professionals, centers of influence, and community organizations.
  • Participates in community and professional organizations and events.
  • Manages loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring.
  • Develops and implements, in conjunction with Business advocate, a course of action to address threats to the portfolio
  • Markets the products and services of the program and CACLV
  • Performs other duties as assigned

QUALIFICATIONS:

  • Bachelor’s Degree in related field preferred.
  • Experience in commercial lending and/or financial literacy training preferred.
  • Ability to read, analyze, and interpret policies, contracts, credit and financial documents as well as other legal documents as needed required.
  • Ability to exercise good judgment in establishing and maintaining working relationships, solve problems, and be able to deliver a high level of accuracy, focus and timeliness with limited supervision required
  • Ability to communicate effectively, both verbally and in writing
  • An outgoing personality with professional and interpersonal skills necessary to work effectively with a wide range of people
  • Computer skills and ability to work in Microsoft Office (Word, Access and Excel)
  • Experience working in non-profit sector desirable, but not required
  • Spanish/English bilingual preferred.

CACLV is an Equal Employment Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religious creed, ancestry, national origin, age, sex, sexual orientation or handicap. 

 

 

 

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