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Community Lending Officer

Upper Manhattan Empowerment Zone Development Corporation


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Published 28 days ago

SALARY RANGE: The salary for this position is commensurate with experience.

The mission of the Upper Manhattan Empowerment Zone Development Corporation (UMEZ) is to sustain the economic revitalization of all communities in Upper Manhattan through job creation, corporate alliances, strategic investments and small business investments. UMEZ facilitates economic development in the neighborhoods of Central, East and West Harlem, Washington Heights; and Inwood.

UMEZ is an independent not-for-profit corporation created in 1995 and has invested $250 million in the Upper Manhattan community, leveraging over 1.1 billion in private capital, and has funded 100 small businesses.

UMEZ is a recognized Community Development Financial Institution (CDFI) with over $80 million in assets. UMEZ is proud to be certified by the U.S. Department of the Treasury’s CDFI Fund as a part of a national network promoting economic growth by financing businesses, creating jobs, and rebuilding neighborhoods.

Summary:

Under the direction of the Senior Vice President of Commercial Lending, the Community Lending Officer is responsible for sourcing new clients, as well as, interfacing with existing clients. The CLO will offer counseling to small business owners and entrepreneurs who seek funding for small business projects. This role will conduct outreach in an effort to develop new lending opportunities within the Upper Manhattan Empowerment Zone. The Community Lending Officer will work with the Business Investments Group to develop new relationships and serve as the liaison to community-based organizations, community banks, and local chambers and commerce. 

 Essential Duties and Responsibilities: Include the following and other duties may be assigned:

  •  Under the guidance of the Senior Vice President of Commercial Lending  provide one-on-one counseling, referral opportunities, and customer support to small businesses in order to assist their efforts to secure funding
  • Work directly with the Senior Underwriter in a collaborative process to evaluate credit worthy potential clients.
  • Assist local entrepreneurs and strategizing with them to overcome business development issues; advises clients on the loan application process and basic criteria used to determine credit worthiness
  • Gather client application information and visit client’s and loan applicants’ business location to verify information, check on progress and offer technical assistance, referrals, and follow-up when necessary
  • Recommend appropriate loan terms and repayment schedules by conducting risk manage assessments.
  • Assist the Business Investment team and legal counsel with loan closings by providing recommendations and, preparing a financial written analysis. Present both oral and written overviews to the Loan committee.
  • May be asked to attend non-work hours events or meetings as it relates to engaging and representing UMEZ’s mission to cultivate community partnerships and promote lending activities.

 BACKGROUND AND EXPERIENCE

  • Undergraduate degree in business or a related field
  • Strong Experience in lending and credit training
  • Advanced writing and oral presentation skills
  • 1-2 years in lending experience with small businesses.
  • Excellent business development, outreach, detail oriented, and have strong follow-up skills
  • Must be able to engage in a tactful manner with potential borrowers, existing borrowers, and community partners
  • Prior related experience in the non-profit and/or public sector preferred
  • Strong financial skills, business accounting, interpersonal, and communications skills
  • Community residence and/or familiarity with Upper Manhattan community preferred
  • Bi-Lingual, English and Spanish, a plus but not necessary

 

PERSONAL CHARACTERISTICS

  • An energetic and resourceful person with a strong interest in community engagement
  • A self starter; a team player; a strategic thinker; a creative problem solver.

 

SUPERVISORY RESPONSIBILITIES

This job has no supervisory responsibilities.

EMPLOYMENT TYPE:

This is a full-time position

Note: Due to the current COVID-19 Pandemic, some work may be organized remotely on a temporary basis. This is not a remote-work position.





 

The mission of the Upper Manhattan Empowerment Zone Development Corporation (UMEZ) is to sustain the economic revitalization of all communities in Upper Manhattan through job creation, corporate alliances, strategic investments and…

Details at a glance

  • On-site Location
  • Full Time Schedule
  • 4-Year Degree Required
  • Professional

Benefits

BENEFITS:

The benefit package includes medical, dental and vision insurance as well as a 401K plan.

BENEFITS:

The benefit package includes medical, dental and vision insurance as well as a 401K plan.

Level of Language Proficiency

LANGUAGE SKILLS

Bi-Lingual, English and Spanish, a plus but not necessary

LANGUAGE SKILLS

Bi-Lingual, English and Spanish, a plus but not necessary

Location

55 West 125th Street, New York, NY 10027

How to Apply

Interested candidates should e-mail or mail a resume and cover letter to:

 Danessy Pico

Human Resources Manager

55 West 125th Street, 11th Floor

New York, New York 10027

HR@umez.org

Attn: Community Lending Officer 

 No Phone Calls or Faxes Please

Interested candidates should e-mail or mail a resume and cover letter to:

 Danessy Pico

Human Resources Manager

55 West 125th Street, 11th Floor

New York, New York 10027

HR@umez.org…

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