Job Details

Job Description:

WHO we are:

Self-Help started in 1980 with a focus on economic inequality especially in communities that have faced systemic barriers in building wealth. At the core of what Self-Help does is a drive to create and protect ownership and economic opportunity. In other words, we're committed to economic justice! Economic Justice means that all communities have the basic infrastructure they need to thrive, from high quality schools to grocery stores selling fresh foods resources that support opportunity at a neighborhood level regardless of demographics, income, or wealth. Since our founding, we've constantly sought to find new ways to pursue greater economic justice: from providing fair and affordable loans, to working with partners to demand that lawmakers change unjust policies.

WHAT you'll do:

The Senior Credit Analyst will primarily work on loans that support small businesses, small scale investors, child care, and faith organizations.

PROJECT AND PRIORITY MANAGEMENT

• Works cooperatively in teams through the full life cycle of a loan.

• Manages internal files and checklists, set-up and data entry into software systems, and communicates updates and requests to internal and external partners.

• Maintains organized electronic files and accurate records for audits and compliance.

• Works within established deadlines, follows through to meet them, and helps establish certain deadlines for loan teams.

• Demonstrates ability to independently manage complex, competing priorities and communicate well.

• Reviews construction disbursements and supports assessment of construction risk, including tracking project progress against budgets and timelines.

• Coordinates due diligence efforts and ensures third-party reports (appraisals, environmental, construction budgets) are completed and reviewed by others.

ANALYSIS AND SYNTHESIS

• Ensures tasks are completed to support industry, financial, and risk assessment analysis.

• Efficiently builds an initial, comprehensive credit analysis that identifies questions to help evaluate the creditworthiness of commercial loan applications using multiple sources of information, including tax returns, financial statements (personal and audit), appraisals, credit reports, and cash flow analysis.

• Discusses questions with more senior credit staff and/or Borrower if follow-up information is needed.

• Presents recommendations to more senior credit staff for resolving situations and exercises independent judgement.

• Independently prepares drafts of certain sections of the credit memo for more senior credit staff to review.

RELATIONSHIP BUILDING AND CUSTOMER SERVICE

• Consistently provides clear guidance and requests for information to external customers, with limited direction and on increasingly complex tasks.

• Provides timely, clear, and complete customer service to internal requests for support and task completion.

• Builds rapport and relationships both internally and externally sufficient to seamlessly accomplish the work and build trust with borrowers.

STANDARDS OF EXCELLENCE

• Successfully and efficiently completes work, without prompting.

• Produces consistently high-quality work products with accuracy and attention to detail.

• Contributes independently to activities to support loan life cycle, taking on an appropriate share of loan assignments and workload to support team balance.

• Learns about key issues that could impact relationships or loan transactions

INITIATIVE

• Proactively advises more senior credit staff about key issues that could impact relationships or loan transactions.

• Identifies and implements opportunities to streamline processes and improve analytical tools.

OTHER

• Perform other duties as may be deemed necessary.

WHAT you'll need:

• Bachelor's degree in related field OR equivalent related experience and 3 years of professional experience, with 2 years of relevant commercial lending experience preferred.
• Bilingual fluency in English and Spanish

• Strong commitment to our mission - creating economic opportunity for traditionally underserved communities.

• Preference for working in organizations that place priority on teamwork and collaboration.

• Self-motivated, self-starter with a keen attention to detail, ability to effectively organize and prioritize work.

• Ability to learn new information quickly and apply such learnings

• Strong technical aptitude to learn new systems, proficiency in Excel and Word

• Ability and willingness to work beyond normal work hours, as needed

• Ability to demonstrate Self-Help's Core Values:

• Mission Before Self

• Service With Excellence

• Embracing & Promoting Change

• Results Not Credit

• Diversity as a Strength

• Financial Sustainability for Mission Impact

Self-Help is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Company Disclaimer:

Self-Help is committed to providing equal employment opportunities to all persons, regardless of race, religion, religious creed, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression (including transgender status), age, sexual orientation, military and veteran status, class or family status.