Loan Officer

The Lending Officer I position is responsible for marketing of loans products and other services available from Communities Unlimited (CU); originations, underwriting and managing loan requests from throughout our target market; monitoring the performance of loan portfolios; and providing accurate and complete impact data for reporting. This position is responsible for developing and managing a variety of relationships, including with borrower organizations;

financial institutions; state and federal agencies; consultants and advisors; other public/private institutions; peers and team members; loan committees; and the CU Senior Leadership Team. The Loan Officer will contribute data, stories, and other information needed for the marketing and/or fundraising efforts of the Senior Leadership Team. Currently seeking to hire a candidate living in North Mississippi. CU offers a range of benefits, including medical, dental, and vision insurance, a Health Savings Account with annual employer contributions, Flexible Spending Accounts, company-paid Short-Term & Long-Term Disability and Basic Life Insurance.

An Employer 401k Match, paid holiday, vacation and sick time. Education/Certification Requirements Option A - A bachelor’s degree in accounting, finance, business, or related field and 1 year experience underwriting in a CDFI capacity and servicing small business loans. OR Option B – 5 years' experience underwriting in a CDFI capacity and servicing small business loans. Must maintain a valid driver's license, have reliable transportation, an acceptable driving record, and at least the state minimum personal liability auto insurance coverage.

Must be authorized to work in the USA. Experience/Skills Requirements Preference is given to individuals who also have accounting experience.

Excellent written and verbal communications skills

Ability to work well with others, build andmaintainstrong professional and client relationships

Ability tofacilitateworkshops and training both in person and virtually

Excellent organizational and time management skills

Ability to learn to use other computer software asrequiredfor this position

Ability to work independently Excellent customer service skills and/or experience Summary of Essential

Job Duties Small Business Lending, Environmental Lending, and Portfolio Management Responsibilities Meet with potential borrowers and originate new loans

Underwrite loan requests,determine risk,identify risk analysis

Document all loan decisions including minutes of loan committees; loan approvals and declines; loan modifications; monitoring; etc.

Prepare written loan recommendations (credit memos) for the appropriate loan committee

Coordinate andassistwith loan closings, ensuring that documents are properly prepared and executed

Maintain ongoing customer relationships and monitoring of lending portfolios. Coordinate managerialassistancefor borrowers as needed with CU’s on-the-ground consultants and Technical Assistance Providers Work  with the lending team to evaluate new loan products and services that will support

CU’s long-term growth and sustainability and contribute to CU’s mission Administrative and Programmatic Responsibilities Update loan software, clientdatabasesand other electronic reporting files

Manage problem loans and make recommendations to supervisor and/or appropriate Loan Committees to help borrowers be successful and control loan losses

Assistin the preparation of reports and/or other documents required by partners,fundersand others

Participate in and support Loan Committee activities

Provide required reports and other support for Board meetings

Participate in internal meetings, reviews, and updates to Loan Policies and Procedures Work with supervisor to complete detailed work plans and action plans to manage work and performance.

Manage lending data and produceaccurateandtimelyreports upon request and per established timelines to meet internal and external needs for information by staff, board members, and investors.

Monitor the lending environment for changes and ensure proper loan documentation and compliance with all legal,regulatory, and funder requirements.

Conduct research on…