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1988 Portfolio Risk Analyst - Durham, NC

The Organization:

Self-Help is a leading national community development financial institution headquartered in Durham, NC. Since 1980, Self-Help has provided $8.5 billion in financing to 159,000 families, individuals and businesses. It helps drive economic development and strengthen communities by providing responsible financial services; lending to individuals, small businesses and nonprofits; developing real estate; and promoting fair financial practices across the nation. The Self-Help family of nonprofit organizations includes Self-Help Credit Union, Self-Help Federal Credit Union, Self-Help Ventures Fund and the Center for Responsible Lending. Through its credit union network, Self-Help serves over 150,000 people in North Carolina, California, Chicago, Florida and South Carolina. Learn more at www.self-help.org, www.self-helpfcu.org and www.responsiblelending.org

 

Position Description:

Self-Help is seeking a Portfolio Risk Analyst to join our team in Durham.  The Portfolio Risk Analyst will support the Commercial Lending Asset Quality team in managing the credit risk of an assigned loan portfolio through analysis, relationship building, and workouts.

 

This individual must clearly understand the value of customer service as the Portfolio Risk Analyst will have frequent direct contact with both internal and external customers, and needs to quickly master and understand the Commercial Team’s loan programs.

 

Essential Responsibilities:

 

  • Analyze the risk for the assigned loan portfolio including:
    • Collect and analyze financial statements of borrowers, and perform risk rating of loans,
    • Manage the relationships with borrowers. Perform or coordinate annual site visits to borrowers, and provide technical assistance as needed,
    • Participate in loan restructuring analysis for challenged borrowers,
    • Review appraisal and environmental reports for potential and existing borrowers,
    • Develop expertise in one or more of the key sectors by external research, relationship building, and attending conferences,
    • Assist or lead portfolio level analysis, and reports, and presentation to top management.
  • Lead projects, and work in teams to improve operational efficiency of commercial lending, and enhance risk management data systems and processes.
  • Act as a change agent to drive Self-Help’s economic inclusion initiatives by integrating supplier diversity and the use of businesses owned by women and people of color in third party contracting and vendor management for relevant products and services
  • Perform other duties as may be deemed necessary.

Minimum Qualifications:

  • A college degree with Business, Accounting or Finance focus or equivalent relevant experience.
  • 1 to 3 years of experience in lending, finance, community economic development or other organizations focused in one or more of the key sectors Self-Help lends in: commercial real estate, charter school, renewable energy, health foods, community facilities, hotel, or small business.
  • Excellent understanding of balance sheet and income statement analysis.
  • Strong commitment to our mission – creating economic opportunity for traditionally underserved communities.
  • Preference for working in organizations that place priority on teamwork and collaboration
  • Develop and maintain relationships with borrowers and colleagues.
  • Strong written and verbal communications skills.
  • Mastery of spreadsheet programs, including Excel, and strong quantitative skills,
  • Spanish language skills preferred.
  • Sensitivity to issues of low-wealth borrowers and a desire to work in a racially and socially diverse organization are essential.
  • Teamwork and an interest in the development of co-workers are important Self-Help values.

 

Desired Qualifications:

 

  • An advanced degree in Business, Accounting, Finance, or a related field preferred.
  • Database development skills or experience preferred.

 

 

Physical Requirements:

 

Frequently requires use of manual dexterity and repetitive motions, primarily with the wrists, hands, and/or fingers.  Must be able to occasionally lift and exert force of up to 40 pounds.

 

Compensation: 

 

Competitive nonprofit salary, based on experience, plus a generous benefits package.

 

Application:

 

To apply, send resume and cover letter, describing why you are a fit for this position, to hiringmanager@self-help.org. Please include the position title as the subject.  Application must be received by October 4, 2019 to ensure consideration.  Applications received after this date may or may not be considered, depending on the applicant pool.  The position will remain posted until filled.

Self-Help is committed to providing equal employment opportunities to all persons regardless of race, color, class, age, gender, religion, disability that can be accommodated, marital status, ancestry, nationality, family status or sexual orientation.