Loan Consultant – Florida

Ascendus is a mission-driven, nationwide Community Development Financial Institution (CDFI) with over 30 years of experience empowering small business owners. We provide access to capital and financial coaching to help entrepreneurs achieve financial health and ascend toward lasting success. Dedicated to building thriving businesses and vibrant communities, we have delivered over $420 million in financial support to more than 56,000 entrepreneurs across the country, building a future of financial ascension for all.

The Loan Consultant will report to the Manager of Lending and will be responsible for meeting individual lending, technical assistance, and business development goals.

• You enjoy working directly with small business owners, providing one-on-one coaching and helping clients strengthen their financial health and readiness for capital.
• You thrive in a role that balances relationship-building, community outreach, and lending production while managing multiple priorities and deadlines.
• You’re comfortable being a visible representative of an organization, building partnerships with banks, community organizations, and referral partners in the region.
• You’re organized, responsive, and self-motivated, with a strong follow-through mindset and a passion for advancing a mission-driven organization.

The Loan Consultant will achieve the following:

• One on One Technical Assistance Work (40%)
  • Provide Technical Assistance to Active Portfolio scheduling at least 1 Technical Assistance Session per Quarter (to all active clients) covering at the minimum the following topics:
    • Credit Analysis:
      Pull Credit Report and review* (a copy of the consumer credit report will be shared with the client)
    • Cash Flow Analysis:
      Review the last Quarter Bank Statements
    • General Biz
      
      Coaching:
      
      Discuss relevant changes on the Biz Model such as:
      New Biz Partner, New Legal Entity/Structure, New Biz Location & New Market channels, New Products or additional services offered, New Assets vs New Liabilities (debt) acquired
    • Support client to complete Annual Survey
    • Identify “Bankable clients” (according to our ABI score) and conduct Outbound Referrals to Bank/CDFI Partners for additional funds (5 loans referred a year – ideally refinancing their existing Ascendus Loans)
    • When appropriate:
      • Correct Negative Payment Behaviors:
        Refer client to our Collections Department
      • Offer Ascendus Step-Up Loan.
• Implement Regional Business Development (30%)
  • Goal:
    Expand the visibility of Ascendus in the community, build strong partnerships, and strengthen image.
  • Manage relationships with local banks and community partners, follow-up with partners that refer within 48 business hours, identify new partners and opportunities in key areas, leverage clients as “referral partners” and track in Salesforce accordingly. Provide high level of engagement in workshops, seminars, and panels in cooperation with local community organizations.
  • Increase visibility of the organization across the region exploring new banking and community partner relationships – at least 3 High Priority Partners by end of the year (targeting 30% conversion ratio).
  • Track outreach performance using the Master Workshop Tracking Sheet.
  • Use most updated presentations & marketing materials available in Presentations folder in SharePoint and save existing presentations in SharePoint.
• Meet Monthly Lending Production Goal (30%)
  • Successfully disburse the monthly # of loans assigned in a timely manner (25% of loans should be submitted by the 15th of the month – no more than 50% of loans should be submitted during the last week of the month).
  • Ensure excellent customer service:
    • Following up with client calls, applications, and emails within 24 hours business day
    • Documenting interaction with the customer entering notes in Salesforce.
    • All inactive/unresponsive applications should be withdrawn by 45 days of pulling credit (3 courtesy calls/emails should be completed). There will be no exception to this policy.
  • Lending Managers will be communicating the % of loans by Decile in each Market based on funding and availability.
• Productivity: The level of work output or efficiency as compared to a…