Lending Specialist

Mountain Association

About the organization

The Mountain Association invests in people and places in Eastern Kentucky to advance a just transition to a new economy that is more diverse, sustainable, equitable and resilient. Our Lending team offers loans to existing and startup businesses and organizations. We are a Community Development Financial Institution and a non-profit, so we can offer greater flexibility and lend to those who may not otherwise qualify. Our Business Support program connects business owners and nonprofit leaders to consultants who can help them succeed. Our Energy experts help businesses, nonprofits, public agencies and homeowners find much-needed energy savings through utility bill analysis, on-site energy efficiency and solar assessments, financing and grant application support.

The Mountain Association also engages in research, communications and advocacy for policy and narrative change, and works with partners on a variety of projects to demonstrate what’s possible in Eastern Kentucky.

Duties

Duties and responsibilities include participation with the Lending Team including, but not limited to, the following areas:

Loan Origination and Underwriting Services

Market the Mountain Association financial products and services in assigned sub-region.
Develop and maintain a network of referral partners including other lenders, business service providers, and community and economic development agencies as a primary source of referrals.
Conduct initial loan request screening for development impact and project feasibility analysis.
Effectively and accurately follow loan intake, underwriting and loan closing processes.
Perform basic due diligence and credit analysis of potential borrowers.
Develop and present loan proposals to the Mountain Association staff and loan committee.
Collect basic data and collateral information on current borrowers as requested.
Collaborate with portfolio support team to ensure all closing items are met.
Customer Relationship Management

Attend community meetings and make presentations on the Mountain Association’s behalf to build reputation and demonstrate the Mountain Association’s value as a partner in region. Participate in community economic development (e.g. SOAR) discussions, serve on work groups and in some instances lead efforts that contribute to a just transition.
Maintain consistent and positive working relationships with Mountain Association borrowers and (more on website)

Qualifications

Knowledge and experience:

BA or BS in business, accounting or related field or equivalent combination of education and experience and demonstrated success with lending to small businesses.
Two years of experience and demonstrated leadership in one or more of the following or a related field:
small business management
non-profit program management
community economic development
leadership and/or professional development
Experience in and knowledge of small business, entrepreneurship, organizational development or management.
Experience mentoring, training and or teaching.
Personal characteristics:

Committed to the Mountain Association’s vision, mission and values.
Demonstrated ability to be self-directed and execute successful projects such as those described in the responsibilities above.
Willingness to travel for day and occasional overnight stays within the region.
Strongly articulated interest in and commitment to positive social change.
Technology and software:

Strong computer skills, in particular spreadsheets and word processing.
Communications:

Strong writing skills and the ability to write clearly for a general audience.
Strong group facilitation skills and public speaking experience.
Strong interpersonal communication skills and the capacity to work constructively in teams.
Physical:

Close vision with or without corrective lenses necessary for computer work; manual dexterity needed to operate computer.
(more on website)

Salary

$40,000 – $48,000

Application instructions

Contact email: [email protected]

This full-time position offers a competitive salary based on experience, with a generous benefits package. This position’s location is flexible between Mountain Association’s offices in Berea, Paintsville, and Hazard, Kentucky. The salary compensation for this position is $40,000 – $48,000, depending on experience. The Mountain Association is an equal opportunity employer. The Mountain Association is committed to principles of diversity and equity and encourages applications from all people.

Please e-mail your resume, contact information for three references, and a cover letter specifically explaining why you are a good fit for this position to [email protected] Please include the position title in the email subject. Review of applications will begin on October 28th and continue on a rolling basis until the position is filled. We won’t contact references until after interviews. The interview process will be conducted according to (more on website)

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