Business Development, Lending Officer
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Job Description
Business Development & Lending Officer developing loans for underserved Virginia entrepreneurs at People Incorporated Financial Services. Evaluating credit, structuring financing, and managing borrower relationships.
Responsibilities:
- Identify and develop lending opportunities in underserved markets
- Conduct proactive outreach and respond to internal and external referrals
- Promote loan products and business resources
- Represent the agency at public forums, outreach activities, business visits, and community events
- Explain loan products and program requirements to prospective borrowers
- Gather and verify applicant and business information
- Analyze applications to assess creditworthiness and repayment probability
- Communicate with applicants from inquiry through approval and after closing
- Complete industry, financial, and risk analyses
- Recommend loan terms and repayment structures
- Ensure loan requests comply with policies and procedures
- Prepare credit memorandums and submit requests to approval authorities or loan committees
- Coordinate loan closings and prepare documentation with staff and legal counsel
- Help applicants and borrowers develop action plans involving budgets, credit improvement, financial planning, or business plans
- Maintain borrower files and enter client and impact data in management systems
- Monitor borrowers’ financial and organizational health
- Provide post-closing technical assistance
- Recommend action or restructuring when appropriate
- Partner with collections staff on feasible repayment solutions for delinquent borrowers
- Assist with internal and external reporting and team projects
Requirements:
- Background in credit management, lending and finance, and/or business development
- Associate degree or higher in finance, business management, or a related field is strongly preferred
- Relevant experience may be considered in place of higher education when permitted
- Strong communication, networking, presentation, and relationship-management skills
- Working knowledge of financial analysis, credit evaluation, and lending fundamentals
- Analytical, detail-oriented, and solution-focused approach to problem-solving
- Effective time management and ability to organize competing priorities with limited oversight
- Adaptability, resilience, sound judgment, and commitment to learning and community development
- Understanding of compliance, confidentiality, and operational expectations
- Experience providing training or technical assistance in personal or business credit, finance, entrepreneurship, or a related subject is nice to have
- Experience working with small businesses, entrepreneurs, community-based organizations, or underserved markets is nice to have
- Experience preparing credit memorandums, structuring loans, or coordinating business loan closings is nice to have
- Must be eligible to work in the U.S. and able to provide employment eligibility verification
- Must hold, or be able to obtain, a U.S.-issued Social Security card
- Must pass required background screening and meet the agency’s nepotism policy
- Must hold a valid driver’s license with a good driving record
- Must be able to travel routinely throughout the region, with occasional travel outside the region
- Must be available for occasional evening and weekend work
- Must maintain client confidentiality and follow the agency’s Code of Conduct
- Physical requirements include frequent talking, hearing, and use of hands and fingers; regular sitting, stooping, and kneeling; occasional lifting or moving up to 20 lbs.; and good close, peripheral, and depth vision with the ability to adjust focus
Benefits:
- 403(b) retirement plan
- Medical, dental, and vision coverage
- Life insurance
- Short-term and long-term disability
- Accident, critical illness, and hospital indemnity plans
- 15 paid holidays
- Very generous paid time off program
- Fully remote position
- Equal Opportunity Employer/Program
- Smoke/drug free workplace
- Auxiliary Aids and Services available upon request to individuals with disabilities
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