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Loan Officer needed in Oakland, CA

 
 

 NCB CAPITAL IMPACT HAS AN IMMEDIATE OPENING FOR A
LOAN OFFICER
IN THE OAKLAND, CA OFFICE

QUALIFIED CANDIDATES CAN SEND RESUME TO ESTEWART@NCB.COOP

 

NCB Capital Impact, a not-for-profit lender   and technical assistance provider in low-income communities nationwide, seeks   a Loan Officer to strengthen its community lending.  The Loan Officer is   responsible for representing NCB Capital Impact in its lending in underserved   communities, focusing in five key sectors –education, health care, healthy   foods, housing, and aging– building on our long history of lending within   these sectors.  The ideal candidate will have a passion for work in   low-income communities, 2-5 years of experience in lending or consulting to   not-for-profit organizations, ideally with organizations serving low-income   populations, and a track record of relationship development and management.    Knowledge of New Markets Tax Credits (NMTC) and Community Development   Financial Institutions (CDFIs) is helpful.

Specific responsibilities include:

Market NCB Capital Impact lending and technical assistance products and   services to new customers, relationships and partners.
Screen potential loan applicants, structure transactions and issue term   sheets.
Originate new assets by underwriting transactions and managing a team   assembled to work through the approval and loan closing process.
Research and analyze the ecosystem in which we lend as it contributes to the   organization’s mission and credit decisions (i.e. market/industry analysis,   local/state/federal policy environment, community development context).
Manage a small portfolio of key borrower relationships.
Work closely with all lending staff to assure excellent customer service.
Maintain business development pipeline and contact database.
Participate in strategic planning and program development for lines of   business.
Assist in management of loan programs internally and with external partners.

1. New business development.  20%
With guidance from manager and peers, engage in asset origination through   marketing of NCB Capital Impact’s core lines of business through customer   contact; attend industry trade conferences and assist with other strategies   to promote products and services; foster and maintain key strategic   relationships.

2. Transaction due diligence 25%
Structure transactions in coordination with supervisor and credit team;   prepare and issue term sheets; arrange follow-up for term sheets.

3. Asset origination 25%
Underwrite new transactions for loan approval.  Prepare underwriting   memos and present them at credit committee, Prepare commitment letters and   negotiate loan documentation.  Manage the loan closing process with a   small ad hoc team developed to help with analysis, construction monitoring,   closing documentation and asset management.   Work with partners on loan   participations.  Manage the loan closing process with a small ad hoc   team developed to help with analysis, construction monitoring, closing   documentation and asset management.  Work with partners on loan   participations.

4. Portfolio and Program Management 20%
Manage a small portfolio of strategically significant relationships. Prepare   call reports, annual reviews, complete annual site visits and identity new   business opportunities. Manage loan programs internally and with external   partners.

5.  Strategic and tactical planning and product innovation 10%
Participate in and contribute to strategic and tactical planning for NCB   Capital Impact’s market sectors. Assist with the development and   implementation of new products and services.

QUALIFICATIONS:

Bachelor’s   Degree (preferrably in finance or equivalent experience in the field) 3-5   years of lending financial services sales and business development   experience, ideally with a Community Development Financial Institution, with   knowledge of business lending products and services and commercial credit and   lending. The position requires a person to be computer literate in a PC   environment using Lotus Notes, Microsoft Office (particularly Word, Excel,   and Power Point), Adobe Acrobat, Moody’s Analytics, and Salesforce.com.
Candidates should have demonstrated sales ability and strong communications   skills.  Candidates must have market knowledge to anticipate needs and   impact strategic direction.  Candidates must have sufficient credit   skills to conduct risk assessment, originate transactions and manage a   portfolio.  The person should also have strong verbal, written and   organizational skills, be detail-oriented, be a self-starter, and be able to   work in a team atmosphere where his or her manager may not work in the same   office.  Prior experience providing credit to education, health care,   healthy foods, housing, and aging organizations, and/or CDFIs is a plus.

________________________________________________
Ellen Stewart | Human Resources | NCB
2011 Crystal Drive | Suite 800 | Arlington, VA 22202
Tel (703) 302-8008 | estewart@ncb.coop

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