Reports To: Controller

FLSA Status: Non-Exempt

Major Responsibilities/Accountabilities:

• Identifying and developing new business/commercial loan relationships. Establish and maintain business relationships with business owners for the purpose of understanding their business needs and connecting them to NHCLF or partner services.
• Interviewing clients and prospects seeking business/commercial loans.
• Collecting and analyzing financial and related data to determine general creditworthiness. Analyze financial data such as income growth and market share to determine expected profitability of loans and make a judgement about future growth and legitimacy of the business’s projections
• Structuring loan terms and conditions that meet the client’s needs and NHCLF lending guidelines.
• Recommending approval or declination of loans within established NHCLF policies and informing prospective borrower of decision.
• Managing a loan portfolio for adherence to loan terms and conditions including but limited to the timely receipt of required financial information, covenant compliance and annual reviews.
• Monitoring loan repayment activities and taking necessary action to collect from past-due accounts.
• Provide annual servicing of open loans in accordance with policy.
• Prepare clear, concise, and accurate reports that illustrate the analysis and include the degree of financial risk involved in extending credit or lending money.
• Prepare materials and documents for business-loan origination, closing and servicing.
• Confer with credit association and other business representatives to exchange credit information and connect business owners with resources and technical assistance providers throughout the region.
• Meet regularly with community organizations and technical assistance providers who work with the small business community.
• Adhere to policies, procedures, and regulatory guidelines, including fair lending and ethical behavior.
• Attending various team meetings.
• Perform other duties as assigned.

Education and Experience

• Bachelor’s degree preferred.
• Broad experience in the business lending field with 4+ years in a lending institution.
• Commitment to the mission of the Community Loan Fund.
• Strong leadership attitude.
• Ability to communicate well in writing and orally.
• Demonstrated ability to work under pressure and multi-task efficiently
• Ability to work collaboratively in a team environment and independently to analyze and solve problems.
• Advanced knowledge in using Excel/Word, Microcredit database and in loan analytical software.

Qualifications and Characteristics

• Strong attention to detail and deadlines; organized and systematic;
• Ability to work remotely or in a hybrid remote work environment.
• Commitment to the mission of the Community Loan Fund.
• Absolute commitment to protecting confidentiality.

Physical Demands

The physical demands described herein are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform essential functions.

While performing the duties of this job, the employee is regularly required to sit, talk, and hear. The employee is regularly required to stand, walk, use hand to finger, handle, and reach with hands and arms above shoulder height, stoop, kneel, and crouch. Specific vision abilities required in this job include the ability to adjust focus between near and far.

• Ability to answer telephones and use standard office equipment (copier, fax, etc.);
• Ability to read, write, and understand and speak English clearly;
• Ability to use a computer for Community Loan Fund business;
• Ability to travel as necessary and work some evenings and weekends; and
• Ability to lift at least five pounds.

Employment Details

• Location: Concord, NH and hybrid (in office Tuesday and Wednesday; training will be in person)
• Starting Salary: $88,000

Work Environment

We are a team of creative thinkers and problem solvers. We love creating new opportunities and solutions for our neighbors to succeed. The work environment characteristics described here are representative of those employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

While performing the duties of this job, the employee will be in an environment with a noise

level that is usually moderate.

About New Hampshire Community Loan Fund             

We believe in a Neighbors-Investing-in-Neighbors philosophy. Since 1983, we have provided systematically excluded people and communities with loans, coaching, and guidance that enables them to become economically secure.

From helping people purchase manufactured homes, to strengthening small businesses and nonprofits, and supporting entire towns as they work to secure financing, our services support the security and growth of people and communities. We focus on four areas of community development finance:

• Affordable Homeownership
• Small Businesses & Nonprofits
• Small Towns & Municipalities
• Energy Efficiency Solutions

If the description above is a good fit for your skills, abilities, and interests, we would love to hear from you! Please email us a resume with a cover letter.