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  • Make an impact and join the opportunity finance field.

The track record of today’s opportunity finance industry is impressive. All financing directly benefits low-income and low-wealth people to increase access to homeownership opportunities, affordable rental housing, thriving small businesses, and critical services such as childcare, healthcare, and education.

Do you want to develop innovative strategies? Combine your business acumen with an unwavering dedication to making a difference in people’s lives? Change the rules of financing? Make your impact and join the opportunity finance field.

To submit a job listing, please use our online form. To edit or remove a posting please contact info@ofn.org.

If you are looking for internships please visit our CDFI Industry Internship Bank.

Community Development Loan Officer South Carolina Community Loan Fund
Charleston, SC
Job Function: Lending/Loan Operations
Posted: October 17, 2017

Background:

South Carolina Community Loan Fund (SCCLF) is a U.S. Treasury and South Carolina certified Community Development Financial Institution (CDFI) based in Charleston, SC whose mission is to advance equitable access to capital by providing loans, technical assistance, and advocacy for the development of affordable housing, healthy food retail, community facilities, and community businesses throughout South Carolina. Since 2004, we have provided 313 loans for $39 million in financing that facilitated more than $246.3 million in community development projects; we financed 1,410 housing units,  9 healthy food outlets, 10 community facilities, and 16 community businesses, creating or retaining 2,896 jobs and providing a safe, affordable place to call home for 3,525 individuals and families.

SCCLF is a dynamic non-profit organization with a small, but highly effective, staff that raises program and operating support through a combination of donations, grants, and impact investments.  SCCLF currently operates with an annual operating budget of $1.7M and program budget of $6M.  The organization loans and revolves capital to continually expand and sustain its mission.

Position Summary:

The Loan Officer will be responsible for the growth of SCCLF’s loan portfolio in Coastal SC. The Loan Officer will support clients through all stages of the application and underwriting process from originating deals to assisting with applications, conducting financial analyses, underwriting and structuring loans, preparing documents for loan approval, and presenting proposals to loan committees as well as provide organizations and individuals with technical assistance in the Coastal region of South Carolina. The Loan Officer will also be responsible for business development and program marketing.

The successful candidate will be a self-starter who has the ability to multitask in a fast paced environment, work independently as well as part of a team, and is driven to succeed. Familiarity with credit analysis, community and economic development, and a working knowledge of the region’s business community are required for success in this position.

Responsibilities:

  • Lending Management - Responsible for assisting clients in securing SCCLF loans of up to $1,000,000 for affordable housing, healthy food retail, community facilities, and community businesses. Support clients through all stages of the lending process from originating deals to assisting with applications, conducting financial analyses, underwriting and structuring loans, preparing documents for loan approval, and presenting proposals to loan committees. Ensures that data collection, reporting, and filing systems meet organization’s needs and comply with any and all contract, audit, or funder requirements.
  • Technical Assistance - Responsible for working with clients to evaluate their overall financial health, determine financing needs, verify credit-readiness, and assess project feasibility. As needed, present workshops on SCCLF’s loan programs and financing. 
  • Business Development - Responsible for cultivating relationships with banks, local government agencies, community organizations, business associations, and other local financial intermediaries. Promote increased visibility in market. Represent SCCLF in public forums, facilitate community outreach efforts, and build referral networks.
  • Program Marketing - Responsible for developing strong and effective relationships with SCCLF's existing borrowers and cultivating new borrowers. Represent SCCLF in meetings with local elected officials. 
  • Market Research - Responsible for reading, reviewing, and summarizing relevant community reports, ordinances, plans and documents related to the local market.

Requirements:

KEY SKILLS

  • Excellent credit analysis skills, with outstanding attention to detail and familiarity with accounting
  • Evidence of significant external client contact & business development skills
  • Understanding of community development finance
  • Commitment to mission driven lending

MINIMUM QUALIFICATIONS

  • At least five (5) years of lending and credit experience 
  • Bachelor degree or equivalent experience required 
  • Proficiency with Microsoft Office applications including Word, Excel and PowerPoint
  • Willingness and ability to travel locally year round

Compensation:

$52,500

How to Apply:

TO APPLY, PLEASE SUBMIT THE FOLLOWING TO Anna Lewin, Chief Operating Officer, at anna@sccommunityloanfund.org

  • Cover Letter and

  • Resume References

Loan Servicing & Collections Representative Fahe
Berea, KY
Job Function: Lending/Loan Operations
Posted: October 17, 2017

Background:

Want to make a difference? Fahe is on a mission to eliminate persistent poverty in Appalachia. Our unique collaborative model connects a Network of local, regional, and national leaders, all working together to uplift our nation’s rural places. Since our inception in 1980, the Fahe Network has served more than 375,000 people, made over $609 million in direct investments, and achieved a total cumulative financial impact of over a billion dollars in Appalachia.

Position Summary:

This position is responsible for delinquent loan collection work such as inbound/outbound client calls, making payment agreements, reviewing loss mitigation packages, and assisting with pre-foreclosure maintenance. The position will also be responsible for providing administrative support to the Loan Servicing Department by answering customer service calls, electronic file scanning, assisting clients with payments/information requests, and other loan servicing projects as assigned.

Responsibilities:

  • Customer Service
  • Collections
  • Processing Mail
  • File Maintenance
  • Quality Control of Loan Files
  • Inspection and BPO Ordering/Monitoring
  • Loss Mitigation
  • Asset Management

Requirements:

Requirements for this position include:

  • Problem solving ability
  • Proficient in MS Office (Word, Excel, Outlook)
  • Basic rules of grammar and business writing
  • Great communications skills (in person, on phone and email)
  • Basic mathematic principals
  • Professional in appearance and demeanor

Preferred Education and Experience:

  • Associate’s Degree or beyond
  • 3+ years of experience in loan servicing, preferably collection work

Compensation:

TBD

How to Apply:

Fahe is an Equal Opportunity Employer seeking applicants who can bring diverse viewpoints, experience, talents, and culture to promote our organization’s mission of eliminating persistent poverty in Appalachia. We offer a diverse work environment with competitive salaries and excellent benefits. Visit www.fahe.org to learn more about Fahe.

Qualified candidates may submit a resume and cover letter to hr@fahe.org reference Loan Servicing position, or mail to Fahe/ATTN: Human Resources/LS; 319 Oak Street; Berea, KY 40403.

Data Analyst Fahe
Berea, KY
Job Function: Research and Analytics
Posted: October 17, 2017

Background:

Want to make a difference? Fahe is on a mission to eliminate persistent poverty in Appalachia. Our unique collaborative model connects a Network of local, regional, and national leaders, all working together to uplift our nation’s rural places. Since our inception in 1980, the Fahe Network has served more than 375,000 people, made over $609 million in direct investments, and achieved a total cumulative financial impact of over a billion dollars in Appalachia.

Position Summary:

The Data Analyst will be responsible for the management of data from all business lines. A well-qualified candidate would be experienced in data capture, control, maintenance, extraction, integrity, and documentation. This position will work with others throughout the organization to understand the data and understand the needs of each line of business. As projects and initiatives arise, the Data Analyst will be charged with ensuring that the proper data is captured and maintained in a centralized location. This position is responsible for monthly, quarterly, and annual reports to management, board of directors, funding entities, and to any other person/organization that we desire or are required to report. This person will provide reporting and data support to all software products and databases utilized by Fahe’s business lines.

Responsibilities:

  • Data Management
  • Database functions
  • Report building
  • Process Automation
  • Reporting to outside entities

Requirements:

Requirements for this position include: 

  • Problem solving ability
  • Proficient in MS Office (Word, Excel, Outlook)
  • Basic rules of grammar and business writing
  • Basic mathematic principals
  • Professional in appearance and demeanor
  • Proficiency in SQL
  • Preferred: Crystal Reports, SSMS, Tableau, J-Script

Preferred Education and Experience: 

  • Bachelor’s Degree
  • 1+ years of experience in related field

Compensation:

TBD

How to Apply:

Fahe is an Equal Opportunity Employer seeking applicants who can bring diverse viewpoints, experience, talents, and culture to promote our organization’s mission of eliminating persistent poverty in Appalachia. We offer a diverse work environment with competitive salaries and excellent benefits. Visit www.fahe.org to learn more about Fahe.

Qualified candidates may submit a resume and cover letter to hr@fahe.org or mail to Fahe/ATTN: Human Resources; 319 Oak Street; Berea, KY 40403.

Loan Services Representative Self-Help Federal Credit Union
Riverbank, CA
Job Function: Lending/Loan Operations
Posted: October 16, 2017

Background:

Self-Help Federal Credit Union (SHFCU) is currently undergoing dynamic growth in its retail credit union operations in California and more recently in Illinois. Self-Help Federal Credit Union is seeking a Loan Services Representative (LSR) to work with our branch operations team under the direction of the Branch Manager. Self-Help FCU is a $718 million CDFI dedicated to providing sustainable loans and responsible financial products for people of modest means. This is a hands-on role where your efforts have a meaningful impact to the growth goals of the organization.

We are seeking someone who has a passion for building stronger communities, a history of assisting loan applicants, is experienced with requesting and reviewing information required to secure a loan, is skilled at promoting loan products and services, has a working knowledge of Federal and State, as well as financial institution lending guidelines, is experienced with processing and completing all related documentation for consumer loans, and is a successful business developer. Strong interpersonal and communication skills and attention to detail are a must! 

About Self-Help Federal

Self-Help Federal Credit Union was chartered in 2008 to build a network of branches that serve working families and underserved communities. With 19 branches in California, 3 branches in Illinois, 2 branches in Florida, approximately $718 million in assets, and serving more than 80,000 members and clients, Self-Help Federal is one of the fastest-growing low-income designated credit unions in the country. It is part of the national Self-Help family of non-profit organizations whose collective mission is to create and protect ownership and economic opportunity for all. For 36 years, the Center for Community Self-Help and its affiliates have provided $7.2 billion in financing to help over 131,000 low-wealth borrowers buy homes, start and build businesses, and strengthen community resources. For more information, go to www.self-helpfcu.org and www.self-help.org.

Position Summary:

Position Title: Loan Services Representative
Riverbank, CA (Full-time, Regular)

We are seeking someone who has a passion for building stronger communities, a history of assisting loan applicants, is experienced with requesting and reviewing information required to secure a loan, is skilled at promoting loan products and services, has a working knowledge of Federal and State, as well as financial institution lending guidelines, is experienced with processing and completing all related documentation for consumer loans, and is a successful business developer. Strong interpersonal and communication skills and attention to detail are a must!

Responsibilities:

  • Reviews all incoming consumer loan applications at the branches and reviews all consumer loan packages from the Dealer Assisted Program and CUDL.
  • Ability to read credit reports (and interpret to members), evaluates loan applications and computes debt ratios. Recommends loan approval or denial. Requests additional information if required from members.
  • Actively cross-sells Credit Union products and services.
  • Ensures that processing operations are conducted in accordance with established Credit Union policies and procedures and are legally compliant. Ensures loan requests are properly documented.
  • Compiles and completes reports as assigned including Credit Union Direct Lending (CUDL) activity, and New Loan report. 
  • Counsels members whose loan requests were denied, explaining reasons and alternatives.
  • Supports Loan Officers and attends business development and outreach events as needed.
  • Supports Member Service Representatives as needed.

Requirements:

  • Strong commitment to our mission - creating economic opportunity for traditionally underserved communities.
  • Preference for working in organizations that place priority on teamwork and collaboration.
  • Sensitivity to issues of low-wealth borrowers and a desire to work in a racially and socially diverse organization (essential Self-help values)
  • High school diploma (or equivalent) and minimum one year member services representative experience or related experience. 
  • Previous lending experience or experience with full-service financial institution.
  • Thorough understanding of member services, products, and Credit Union operations, consumer lending services, policies, and procedures.
  • Understanding of related legal and regulatory standards, and required loan documentation.
  • Excellent communication, public relations, and a professional appearance and attitude.
  • Excellent typing skills, and an ability to operate basic office equipment (including pc computers, ten-key calculators, printers, and telephones).
  • Bilingual English/Spanish

Compensation:

Competitive salary, based on experience, plus a generous benefits package that includes health, dental, life insurance, flexible spending plan, retirement plan, paid parental leave, and domestic partners policy.

How to Apply:

Please apply to our Human Resources Department:

Interested individuals, please send a resume and cover letter to cahiringmanager@self-helpfcu.org and reference this job, "Loan Services Representative, Riverbank" in the subject line of your message.

Loan Officer CSH
Los Angeles, CA
Job Function: Finance
Posted: October 16, 2017

Background:

For over 25 years, CSH has been a game-changer for the most vulnerable people in our country: 

  • Helping communities create 200,000 homes for individuals and families who did not have one;
  • Bringing hope to thousands who thought they would live on the streets or reside in institutions forever;
  • Ensuring not only a stable home for each but access to the services that brought healthcare, recovery and training to their doorsteps;
  • Changing the trajectory of lives away from poverty and despair and toward independence and economic sufficiency.

 

Position Summary:

If you have a burning desire to make a difference for people and families others have given up on and often say cannot be helped, we have a place for you. No cynics allowed. Not only has CSH proven supportive housing works and does change the lives of individuals facing acute disabilities, complex medical and mental conditions, substance use disorders and economic barriers, we have done so while creating a family of nationally-recognized experts who stay committed to our organization and mission throughout their careers. CSH offers empowerment, development and growth to those we serve and our workforce. We attract talented professionals, offer competitive salaries with benefits, generous family leave and PTO, and fully embrace the philosophy that a sustainable work-life balance is desirable and achievable. With the aim of attracting good people who possess the confidence and drive to get the job done to build a better world, CSH is now accepting applications for a Loan Officer in our Western Region. Preference will be given to candidates in Los Angeles, but candidates from other locations in our Western Region will be considered. 

Responsibilities:

As a valued member of our team, the successful applicant will originate loans for quality supportive housing developments and provide assistance to government partners in shaping financing and development policies and programs to create stronger systems that support and expedite the production of supportive housing.
  • Provide technical assistance to nonprofit, for-profit and public organizations around the financing, creation and operation of supportive housing.
  • Originate loans based on thorough review and analysis, comprehensive due diligence and sound risk assessment.
  • Analyze project feasibility and the capacity of development teams and propose loan structures that meet borrower needs while advancing CSH’s strategic priorities and credit policies.
  • 'Prepare and present loan recommendations to credit committees.
  • Cultivate strong relationships with industry partners and developers including public and private agencies, funders, financial institutions and external partners.
  • Market CSH’s loan products and expertise resulting in a robust lending pipeline which you will help monitor and manage.
  • Partner with CSH Los Angeles and other Western Region staff to identify lending opportunities resulting from programmatic activities.
  • Contribute to the Region’s systems change efforts including commenting on local and state financing regulations and programs and facilitating conversations between the development and public financing community. 
  • Actively seek and garner feedback from developers on supportive housing development policies and financing programs and use this feedback to inform and improve lending products and policies that support innovation while meeting developer needs. 
  • Advance CSH’s strategic priorities through your Loan Officer role, including building the supportive housing industry by leading trainings and workshops, representing CSH at conferences and events and working closely with colleagues on special projects, innovative ideas and programs that advance the creation of supportive housing in Los Angeles and the Western Region. 

Requirements:

The qualities we are looking for include an adaptive, entrepreneurial problem solving approach. Candidates should be driven by strategic thinking executed with creativity and flexibility. It is important to welcome and pursue new ideas and visions for supportive housing and the role it plays in solving complex problems.

  • Bachelor degree required. Experience may substitute for education.
  • Minimum 5 years’ experience in low income or supportive housing development, underwriting or funding field.
  • Extensive knowledge of the Low Income Housing Tax Credit Program and familiarity with state and other federally funded affordable housing programs.
  • Familiarity with the entitlement process, zoning and planning and challenges for low- income or supportive housing developers.
  • Familiarity or interest in issues related to supportive housing including homelessness, low income housing development, finance, state and local housing finance policies, service needs, community development and planning, mental illness, AIDS, harm reduction or public housing.
  • Strong analytical, interpersonal, facilitation, communication and presentation skills.
  • Demonstrated skills using Microsoft Office Suites. Experience with loan servicing or CRM programs a plus.
  • Demonstrated success building quality teams, trusted relationships and setting and managing performance and mentoring and coaching development partners in the areas of real estate development and housing finance issues.

CSH staff are mission driven, we take initiative, pursue goals with minimal supervision and are adept at managing multiple assignments effectively.

Compensation:

Commensurate with Experience

How to Apply:

Interested in joining our team as a leader in the national supportive housing movement?

To Apply: Candidates should apply by clicking on the link below. All candidates should attach their Resume, Cover Letter and Salary Expectations as one Microsoft Word or PDF document.

https://csh.csod.com/ats/careersite/jobdetails.aspx?site=1&c=csh&id=50&source=3

CSH is proud that it always has been and always will be an Equal Opportunity Employer.

Financial Analyst CSH
New York, NY
Job Function: Finance
Posted: October 16, 2017

Background:

CSH transforms how communities use housing solutions to improve the lives of the most vulnerable people. We offer capital, expertise, information and innovation that allow our partners to use supportive housing to achieve stability, strength and success for the people in most need. CSH blends over 25 years of experience and dedication with a practical and entrepreneurial spirit, making us the source for housing solutions. CSH is an industry leader with national influence and deep connections in a growing number of communities throughout the country.

Position Summary:

We are seeking an enthusiastic, detailed-oriented individual to join CSH’s Finance Team to support the administration of CSH’s New Market Tax Credit (NMTC) Portfolio. 

The NMTC Portfolio currently consists of seven projects, but will soon grow to approximately twelve over the next year.  Reporting to the Chief Financial Officer, the NMTC Financial Analyst will manage the administration and compliance of closed projects; assist with the preparation of CSH’s annual NMTC application to the CDFI Fund; prepare required financial reporting; and assist with general New Market Tax Credit loan compliance. A successful candidate must be a self-starter and able to take initiative to successfully manage investments with minimal day-to-day supervision, and work well independently and as part of a team that includes accountants, attorneys, program and compliance consultants, program staff, co-lenders, and government agencies.

Responsibilities:

  • Assist the organization’s NMTC application and related allocation agreements
  • Manage project closing, including establishment and management of sub-CDE general ledgers and bank accounts, reviewing key documents and preparing closing documents with external auditors
  • Service NMTC Loans, including loan data management, interest, fee and tax payments, and draws
  • Prepare all required accounting and financial reporting; coordinate and prepare work papers for annual financial audits, tax department and annual tax filings; and oversee investor reporting
  • Ensure compliance with CDFI Fund requirements including entry of community impact reporting, the annual CBA report and the asset management report regarding closed projects for the NMTC Advisory Board, Internal Management and the Board of Directors.
  • Creatively support the NMTC program by identifying solutions, offer ideas for improved systems, assist in the preparation of program budget and expenses, and complete special projects as needed and assigned.  

Requirements:

  • Successful candidates will be adaptive, entrepreneurial problem solvers with a demonstrated commitment to social justice. CSH seeks candidates driven by strategic thinking, executed with creativity and flexibility, and with an ability to adapt approach, strategy, and tactics rapidly in response to changing information or program needs. It is important to help articulate and strategically pursue new visions and ideas for supportive housing and the role it can play in solving complex problems.
  • Minimum of 5 years of experience in real estate finance, asset/portfolio management, project development, and/or non-profit lending.  Experience in loan servicing or compliance a plus.
  • Strong interest in economic and community development, affordable housing, addressing chronic homelessness, and meeting the service needs of low income, vulnerable populations, including seniors, veterans, transition-aged youth, LGBT populations, and/or those with substance use, mental illness, or criminal histories, is required.
  • Past experience in reading legal documents and managing compliance and community impact reporting related to public funding sources is desired. Familiarity with community and economic development programs is a plus. Prior experience with New Market Tax Credits is a plus, but not required.
  • Must be organized, analytic, detail-oriented, and comfortable working with numbers/data; have excellent written and verbal communication skills; and demonstrated experience managing multiple assignments and meeting deadlines.  
  • Prior experience using Microsoft Office programs and database management (Word, Excel, Power Point, Outlook) required.
  • Knowledge of Quick Books desirable
  • Bachelor’s degree preferred. Experience may substitute for education. 

Compensation:

Commensurate with Experience

How to Apply:

Interested in joining our team as a leader in the national supportive housing movement? 

To Apply:  Candidates should apply by clicking on the link below. All candidates should attach their Resume, Cover Letter and Salary Expectations as one Microsoft Word or PDF document.

https://csh.csod.com/ats/careersite/jobdetails.aspx?site=1&c=csh&id=46&source=3

CSH is proud that it always has been and always will be an Equal Opportunity Employer.

1755 Senior Researcher The Center for Responsible Lending
Durham, NC, NC
Job Function: Research and Analytics
Posted: October 16, 2017

Background:

The Center for Responsible Lending (CRL) is a nonprofit, nonpartisan research and policy organization that promotes responsible lending practices and access to fair terms of credit for low-wealth families. CRL was created in 2002 to protect homeownership and family wealth by working to eliminate predatory lending and other abusive financial practices. Our work has helped lead to major changes in lending practices, saving families over $2 billion annually. CRL has more than 40 employees and offices in Durham, NC; Oakland, CA; and in Washington, DC.

CRL is an affiliate of Self-Help, a community development lender founded in 1980 that has provided over $5 billion dollars in financing to help over 70,000 low-wealth borrowers buy homes, build businesses and strengthen community resources.

Position Summary:

The Senior Researcher will help advance CRL’s mission by conducting research and policy analysis related to predatory lending and other abusive financial practices. The individual will be expected to conduct major quantitative and qualitative research projects from inception to publication.  In addition, the Senior Researcher will respond to short-term research requests from staff and will communicate with the public, regulators, researchers, and other policymakers about CRL’s research.  

Responsibilities:

  • Design, manage and execute large multi-phase research projects on mortgage and consumer finance issues relevant to CRL’s mission.
  • Perform and interpret quantitative and statistical analyses on mortgage and consumer finance data sets.
  • Maintain familiarity with outside research, academic and otherwise, including conducting formal critiques where necessary to advance CRL’s policy goals.
  • Provide statistical expertise for internal staff.
  • Present research findings to internal and external audiences.
  • Work closely with CRL’s policy, communications, and outreach staff to ensure CRL research is relevant to policymakers and the general public.
  • Perform other duties as may be deemed necessary.

Requirements:

Minimum Qualifications:

  • Master’s degree in economics, statistics, planning, public policy, or related field.
  • At least four years of research or policy-related experience, or experience in the housing finance or financial services industry.
  • Strong knowledge of statistical methods, including econometrics.
  • Experience with SAS or comparable statistical package.
  • Self-starter, able to define and initiate new projects and manage multiple projects with competing deadlines.
  • Proven record of primary responsibility for authoring major quantitative research reports.
  • The desire to work with a diverse staff and commitment to economic and social justice.
  • Strong writing and public speaking skills.
  • Willingness to do some travel.
  • Advanced proficiency with Excel, PowerPoint.

Desired Qualifications:

  • Understanding of mortgage origination and servicing policy and practice
  • Understanding of mortgage secondary markets, the role of GSE’s, and federal housing policy.
  • Understanding of consumer finance, traditional and nontraditional underwriting, and the causes of market failures in the provision of credit to underserved populations.

Physical Requirements:

Frequently requires the use of manual dexterity and repetitive motions, primarily with the wrists, hands, and fingers.  Ability to occasionally lift and exert a force of up to 10 pounds.

Compensation:

Competitive nonprofit salary, based on experience, plus a generous benefits package.

How to Apply:

To apply, send resume and cover letter, describing why you are a fit for this position, to hiringmanager@self-help.org. Please include the position title as the subject.  Application must be received by October 30, 2017 to ensure consideration.  Applications received after this date may or may not be considered, depending on the applicant pool.  The position will remain posted until filled.

Self-Help is committed to providing equal employment opportunities to all persons regardless of race, color, class, age, gender, religion, disability that can be accommodated, marital status, ancestry, nationality, family status or sexual orientation.

Mortgage Loan Officer II Self-Help Federal Credit Union
Pomona, CA
Job Function: Lending/Loan Operations
Posted: October 16, 2017

Background:

Self-Help Federal Credit Union (SHFCU) is part of a family of nonprofit organizations whose mission is to create and protect ownership and economic opportunity for all. We are a $750 million CDFI dedicated to providing sustainable loans and responsible financial products for people of modest means, and are one of the fastest growing community development credit unions in the nation.

Self-Help Federal Credit Union is currently undergoing dynamic growth in its retail credit union operations in California, Illinois, and Florida. This is a hands-on role where your efforts have a meaningful impact on the growth goals of the organization. 

Self-Help Federal Credit Union was chartered in 2008 to build a network of branches that serve working families and underserved communities. With 19 branches in California, 3 branches in Illinois, 2 branches in Florida, approximately $718 million in assets, and serving more than 80,000 members and clients, Self-Help Federal is one of the fastest-growing low-income designated credit unions in the country. It is part of the national Self-Help family of non-profit organizations whose collective mission is to create and protect ownership and economic opportunity for all. For 36 years, the Center for Community Self-Help and its affiliates have provided $7.2 billion in financing to help over 131,000 low-wealth borrowers buy homes, start and build businesses, and strengthen community resources. For more information, go to www.self-helpfcu.org and www.self-help.org.

We are an equal opportunity employer:

SHFCU is committed to providing equal employment opportunities to all persons regardless of race, color, class, age, religion (and lack thereof), disability that can reasonably be accommodated, marital status (including domestic partner status), ancestry, nationality, national origin, family status, sex (including pregnancy, childbirth, and related medical conditions), other medical condition (physical or mental), AIDS/HIV status, genetic information, sexual identity, gender identification (including transgender status), sexual orientation, and veteran status.

Compensation: Competitive nonprofit salary, based on experience, plus a generous benefits package that includes health, dental, life insurance, flexible spending plan, retirement plan, and paid parental leave.

Position Summary:

Position Title: Mortgage Loan Officer II
Full Time, Exempt

The successful candidate, under limited supervision, provides information on credit union products and services to potential borrowers according to all credit union policies and procedures as well as Federal and State rules and regulations; interviews all applicants for real estate loans; prepares, analyzes, processes and documents all required forms and related documents for real-estate loans; approves or denies loan applications based on analysis of each applicants background, including the more complex applications, with limited oversight or assistance from management and underwriting; and is responsible for promoting credit union products and services to ensure meeting productivity goals

Responsibilities:

  • Meet with loan applicants to discuss viable mortgage options, counsel on credit and budget, develop roadmap and process for mortgage approval and assist with the loan application process. 
  • Prequalify loan applicants by examining all borrower information and documentation, assessing credit-worthiness, adequacy of income, credit and collateral and calculating repayment risk. 
  • Using in-depth lending experience, determines the appropriate manner to structure loan, use of multiple loan products, and maximum purchase price/loan amount based on borrower data. 
  • Approve or deny real-estate loan applications that do not meet pre-qualification standards, and explain reasons for denial.
  • Gather and review necessary data to complete the loan review process including credit bureau reports, verifying debts and estimating monthly payments for any outstanding debts not listed on application and ensuring they are added to application.
  • Comply with all federal and state mortgage regulations and disclosure requirements.
  • Consistently prepare exemplary mortgage loan application and documentation for underwriting and loan closing. Ensure that each real-estate loan is processed accurately, troubleshoot any issues that may arise during the processing period, and maintain communication with borrower throughout processing period, as needed. Consistently achieve loan production goals.
  • Represent Self-Help in networking functions and develop mortgage loan business through continual identification, development and maintenance/expansion of a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. This network may consist of Real Estate professionals, builders, and professional contacts, as well as other valuable referral sources enhanced by regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations.
  • May oversee the responsibilities of a Mortgage Loan Assistant, if appropriate
  • May coach less experienced Mortgage Loan Officers, as needed;
  • Other duties as may be deemed necessary.

Requirements

  • Strong commitment to our mission - creating economic opportunity for traditionally underserved communities.
  • Strong understanding of cultural competency
  • Preference for working in organizations that place priority on teamwork and collaboration
  • High School diploma or equivalent; Bachelor's degree preferred.
  • 5 to 10 years relevant experience including at least 3 years' experience as MLO. 
  • Prior experience at Self-Help in Mortgage Lending preferred.

Requirements:

Knowledge, Skill and Ability:

  • Demonstrated ability to represent Self-Help, develop business, generate leads and develop community networks. Able to utilize existing networking and strong association relationships and able to expand those relationships to drive referral business;
  • In depth analytical and quantitative skills and ability to independently handle loan applications and assess even the most complex borrower's ability to successfully repay loans including the use of multiple loan products, when needed;
  • Demonstrated ability to meet high productivity goals;
  • Ability to secure and maintain NMLS certification;
  • Ability to work collaboratively on team as well as work independently and with little oversight on handling assignments;
  • Sensitivity to issues of low-wealth borrowers and a desire to work in a racially and socially diverse organization;
  • Strong organization, computer and customer service skills;
  • Strong communications skills including strong writing skills and presentation skills;
  • Proficiency with Word, Excel and PowerPoint;
  • Ability to travel;
  • ENGLISH / SPANISH FLUENCY REQUIRED

Physical Requirements/Work Environment 

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

  • Close vision is required;
  • Employee is regularly required to: sit; talk and hear; use hands to finger, handle or feel; and reach with hands and arms. A sit-stand desk is also acceptable;
  • Employee is frequently required to type and use a keyboard;
  • The employee must occasionally lift and/or move up to 10 pounds.

Core Values:

In addition to the above, the successful candidate must exemplify Self-Help's Core Values:

  • Mission Before Self - We always seek to put our mission and the communities we serve first.
  • Service with Excellence - We strive to provide exceptional service
  • Embracing and Promoting Change - We recognize that change is essential and can be hard.
  • Results, Not Credit - We encourage teamwork and collaboration focused on results.
  • Diversity as Strength - We value diverse perspectives, skills, and backgrounds as core strengths.
  • Financial Sustainability for Mission Impact - We build financial strength to advance and sustain our work.

Compensation:

Competitive nonprofit salary, based on experience, plus a generous benefits package that includes health, dental, life insurance, flexible spending plan, retirement plan, and paid parental leave.

How to Apply:

Please apply to our Human Resources Department:

Interested individuals please send a resume and cover letter to cahiringmanager@self-helpfcu.org and reference this job "Mortgage Loan Officer, Pomona" in the subject line of your message.

Mortgage Loan Officer II Self-Help Federal Credit Union
Fresno, CA
Job Function: Lending/Loan Operations
Posted: October 16, 2017

Background:

Self-Help Federal Credit Union (SHFCU) is part of a family of nonprofit organizations whose mission is to create and protect ownership and economic opportunity for all. We are a $750 million CDFI dedicated to providing sustainable loans and responsible financial products for people of modest means, and are one of the fastest growing community development credit unions in the nation.

Self-Help Federal Credit Union is currently undergoing dynamic growth in its retail credit union operations in California, Illinois, and Florida. This is a hands-on role where your efforts have a meaningful impact on the growth goals of the organization. 

Self-Help Federal Credit Union was chartered in 2008 to build a network of branches that serve working families and underserved communities. With 19 branches in California, 3 branches in Illinois, 2 branches in Florida, approximately $718 million in assets, and serving more than 80,000 members and clients, Self-Help Federal is one of the fastest-growing low-income designated credit unions in the country. It is part of the national Self-Help family of non-profit organizations whose collective mission is to create and protect ownership and economic opportunity for all. For 36 years, the Center for Community Self-Help and its affiliates have provided $7.2 billion in financing to help over 131,000 low-wealth borrowers buy homes, start and build businesses, and strengthen community resources. For more information, go to www.self-helpfcu.org and www.self-help.org.

We are an equal opportunity employer:

SHFCU is committed to providing equal employment opportunities to all persons regardless of race, color, class, age, religion (and lack thereof), disability that can reasonably be accommodated, marital status (including domestic partner status), ancestry, nationality, national origin, family status, sex (including pregnancy, childbirth, and related medical conditions), other medical condition (physical or mental), AIDS/HIV status, genetic information, sexual identity, gender identification (including transgender status), sexual orientation, and veteran status.

Compensation: Competitive nonprofit salary, based on experience, plus a generous benefits package that includes health, dental, life insurance, flexible spending plan, retirement plan, and paid parental leave.

Position Summary:

Position Title: Mortgage Loan Officer II
Full Time, Exempt

The successful candidate, under limited supervision, provides information on credit union products and services to potential borrowers according to all credit union policies and procedures as well as Federal and State rules and regulations; interviews all applicants for real estate loans; prepares, analyzes, processes and documents all required forms and related documents for real-estate loans; approves or denies loan applications based on analysis of each applicants background, including the more complex applications, with limited oversight or assistance from management and underwriting; and is responsible for promoting credit union products and services to ensure meeting productivity goals.

Responsibilities:

  • Meet with loan applicants to discuss viable mortgage options, counsel on credit and budget, develop roadmap and process for mortgage approval and assist with the loan application process. 
  • Prequalify loan applicants by examining all borrower information and documentation, assessing credit-worthiness, adequacy of income, credit and collateral and calculating repayment risk. 
  • Using in-depth lending experience, determines the appropriate manner to structure loan, use of multiple loan products, and maximum purchase price/loan amount based on borrower data. 
  • Approve or deny real-estate loan applications that do not meet pre-qualification standards, and explain reasons for denial.
  • Gather and review necessary data to complete the loan review process including credit bureau reports, verifying debts and estimating monthly payments for any outstanding debts not listed on application and ensuring they are added to application.
  • Comply with all federal and state mortgage regulations and disclosure requirements.
  • Consistently prepare exemplary mortgage loan application and documentation for underwriting and loan closing. Ensure that each real-estate loan is processed accurately, troubleshoot any issues that may arise during the processing period, and maintain communication with borrower throughout processing period, as needed. Consistently achieve loan production goals.
  • Represent Self-Help in networking functions and develop mortgage loan business through continual identification, development and maintenance/expansion of a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. This network may consist of Real Estate professionals, builders, and professional contacts, as well as other valuable referral sources enhanced by regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations.
  • May oversee the responsibilities of a Mortgage Loan Assistant, if appropriate
  • May coach less experienced Mortgage Loan Officers, as needed;
  • Other duties as may be deemed necessary.

Requirements

  • Strong commitment to our mission - creating economic opportunity for traditionally underserved communities.
  • Strong understanding of cultural competency
  • Preference for working in organizations that place priority on teamwork and collaboration
  • High School diploma or equivalent; Bachelor's degree preferred.
  • 5 to 10 years relevant experience including at least 3 years' experience as MLO. 
  • Prior experience at Self-Help in Mortgage Lending preferred.

Requirements:

Knowledge, Skill and Ability:

  • Demonstrated ability to represent Self-Help, develop business, generate leads and develop community networks. Able to utilize existing networking and strong association relationships and able to expand those relationships to drive referral business;
  • In depth analytical and quantitative skills and ability to independently handle loan applications and assess even the most complex borrower's ability to successfully repay loans including the use of multiple loan products, when needed;
  • Demonstrated ability to meet high productivity goals;
  • Ability to secure and maintain NMLS certification;
  • Ability to work collaboratively on team as well as work independently and with little oversight on handling assignments;
  • Sensitivity to issues of low-wealth borrowers and a desire to work in a racially and socially diverse organization;
  • Strong organization, computer and customer service skills;
  • Strong communications skills including strong writing skills and presentation skills;
  • Proficiency with Word, Excel and PowerPoint;
  • Ability to travel;
  • ENGLISH / SPANISH FLUENCY REQUIRED

Physical Requirements/Work Environment 

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

  • Close vision is required;
  • Employee is regularly required to: sit; talk and hear; use hands to finger, handle or feel; and reach with hands and arms. A sit-stand desk is also acceptable;
  • Employee is frequently required to type and use a keyboard;
  • The employee must occasionally lift and/or move up to 10 pounds.

Core Values:

In addition to the above, the successful candidate must exemplify Self-Help's Core Values:

  • Mission Before Self - We always seek to put our mission and the communities we serve first.
  • Service with Excellence - We strive to provide exceptional service
  • Embracing and Promoting Change - We recognize that change is essential and can be hard.
  • Results, Not Credit - We encourage teamwork and collaboration focused on results.
  • Diversity as Strength - We value diverse perspectives, skills, and backgrounds as core strengths.
  • Financial Sustainability for Mission Impact - We build financial strength to advance and sustain our work.

Compensation:

Competitive nonprofit salary, based on experience, plus a generous benefits package that includes health, dental, life insurance, flexible spending plan, retirement plan, and paid parental leave.

How to Apply:

Please apply to our Human Resources Department:

Interested individuals please send a resume and cover letter to cahiringmanager@self-helpfcu.org and reference this job, Mortgage Loan Officer ll in the subject line of your message.

Regional Strategist Craft3
Klamath Falls, OR
Job Function: Financial Services
Posted: October 13, 2017

Background:

Craft3 is a non-profit Community Development Financial Institution (CDFI) with a mission to strengthen economic, ecological and family resilience in Pacific Northwest communities. We do this by providing loans and assistance to entrepreneurs, non-profits, individuals and others, including those who don’t normally have access to financing. We then complement these financial resources with our expertise, personal connections and other advocacy for our clients. Learn more at www.craft3.org and www.craft3.org/videos

Position Summary:

The Regional Strategist (RS) position leads the execution of Craft3’s regional strategy in the Klamath Falls, Oregon region.  The RS is responsible for building regional networks, raising the visibility of Craft3 products and services in the region, generating leads for new mission-based business and community loans, and finding and supporting the development of “catalytic” projects in which Craft3 can invest. The RS will work with Craft3’s Commercial Lending Team to source, underwrite and close 10 to 15 new loans, and $2.5 million annually across the region.  The primary focus of lending targets small and medium businesses (not micro) in the target region, specifically those owned by minority, woman, veteran, and immigrant entrepreneurs and those located in low to moderate income/redevelopment areas.  In addition, the RS will support regional application of Craft3’s sector strategies in food and agriculture, clean energy and non-profit community facilities (real estate).

Responsibilities:

ESSENTIAL DUTIES AND RESPONSIBILITIES include some or all of the following and are not intended to be all-inclusive. Craft3 reserves the right to change, add or delete responsibilities and duties as seen fit. An employee's specific job duties, priorities and performance expectations are detailed in his/her individual performance plan.

Strategy Execution

  • Work with senior Craft3 staff to develop/amend, execute and evaluate a regional strategy on locating and investing in “catalytic” opportunities in the Klamath Falls region. Strategy includes both place related and sector related tactics.
  • Identify and collaborate with leaders and emerging leaders who are working on innovative economic and community initiatives that align with Craft3’s regional strategy.
  • Develop and strengthen relationships with leadership of organizations that support diverse small businesses in low income communities. 
  • Develop and/or utilize local knowledge of the following sectors: food and agriculture, clean energy and community facilities.
  • Participate in local resource development and grant writing that supports strategy in local region.

Commercial Lending Support

  • Prospect for business and community loan opportunities from multiple sources for both catalytic investments and small business loans. Determine the level of complexity, mission and strategy fit, and prospect’s readiness to borrow. Meet prospective borrowers and collect information.  Work with Craft3 Commercial Lending staff to gather the full application and support the evaluation of loan requests with emphasis on evaluating character and management capacity of the application, and the negotiation of loan terms and conditions.  
  • Work with Craft3’s Commercial Lending Team to source, underwrite and close 10 to 15 new loans, and $2.5 million annually across the region
  • Provide informal consulting to clients regarding business plans, projections and business practices. Refer customers to effective technical assistance providers who will help prospects with basic pre-application work such as business plan review and feedback.
  • Support monitoring outstanding borrowers for conformance with loan conditions, progress in meeting business goals, and overall business performance. Reports all emerging problem loans to management when weaknesses are detected.

Regional Visibility

  • Work with Craft3’s Brand and Communications team and Senior Management to coordinate strategy and elevate Craft3’s visibility in the region.
  • Present at and participate in community events that provide outreach opportunities, as well as understanding of situations that may affect those communities.  This will necessitate regular travel throughout the region.   
  • Contributes  to  the  body  of  knowledge,  sharing  best  practices  and  suggesting  process improvement ideas.

Company Culture and Brand Management

  • Support the organization’s All Team Performance Standards:  Ownership, Respect and Flexibility.
  • Demonstrate stewardship for the Craft3 Brand.
  • Participates fully with all members of the Craft3 team. Effectively uses technology tools to perform required duties.
  • Participates in cross-department/cross-functional teams as assigned to develop outreach strategy teams around sectors. 

AUTHORITIES

Portfolio Management

  • Interact with a portfolio of clients and outstanding loans. This portfolio will include loan relationships initiated by the RS and also other relationships that are originated by other staff.
  • Represent Craft3 in community and regional events.

POSITION SCOPE - Direct Reports – None 

POSITION SCOPE – Financial Impact - Position is essential to ensuring loan compliance and payment performance on the part of all Craft3 borrowers.

Requirements:

QUALIFICATIONS

  • To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

TYPICAL PROBLEM SOLVING

  • Applies common sense understanding to carry out detailed and complicated written or oral instructions. Deals with problems involving many variables in sometimes difficult and stressful situations. Examples include: dealing with sometimes irate and impatient individuals, and managing many simultaneous high priority projects.

MINIMUM EDUCATION REQUIREMENTS AND WORK REQUIREMENTS

  • A Bachelor’s Degree, with a minimum of three years previous community development, community development lending, financial, or similar experiences required. Previous successful business ownership highly desired. 

OTHER SKILLS AND ABILITIES

  • Facilitate partner profiling, prepare and deliver custom corporate materials to our customers’ communities.  Fluency in a second language is desirable. Able to deal with frequent change, delays, or unexpected events; Attention to detail, ability to balance multiple work assignments; organized work habits; ability to work independently. Proficiency with major software programs:  e.g. Contact Management Systems, MS Office Suite.

CERTIFICATES, LICENSES, REGISTRATIONS

  • None specified

WORK ENVIRONMENT

  • The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually low to moderate as found in typical office environments.

PHYSICAL DEMANDS

  • The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.\
  • While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear. The employee frequently is required to walk. The employee is occasionally required to stand and reach with hands and arms. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision. Some travel to company events and branch offices will be required.
  • A level of travel is to be expected with job responsibilities covering a geographic area that includes the States of Oregon and Washington.

Compensation:

Craft3 will offer a competitive salary based on experience and skills, as well as an excellent benefits package including medical, dental, vision, Life/AD&D, LTD/STD insurance, paid sick and vacation leave, volunteer time off, and 403B Retirement savings plan with employer match.

How to Apply:

Application deadline is November 10, 2017.

To apply complete the application online at: www.Craft3.org/Careers/Jobs

Copy URL: https://workforcenow.adp.com/jobs/apply/posting.html?client=craft3&jobId=95710&lang=en_US&source=CC2

Craft3 is an equal opportunity employer; women and minorities are encouraged to apply.

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