Loan Portfolio Manager

4 days ago

San Francisco, California, United States Global Impact Investing Network Full time
Job Title: Loan Portfolio Manager

Join our team as a Loan Portfolio Manager and contribute to the success of our portfolio management function. As a key member of our Impact Lending team, you will be responsible for actively managing a significant portion of our growing portfolio of loans from closing through repayment.

Key Responsibilities:
  • Collaborate with the learning & evidence team to input reporting requirements and with the accounting team to set up repayments.
  • Conduct monthly or quarterly calls with each borrower, depending on risk profile, to review performance, identify risks and TA needs, and discuss project status updates.
  • Make recommendations to adjust risk rating if needed before borrower's fiscal year-end.
  • Proactively monitor portfolio performance on an ongoing basis and aggregate key metrics and ratios that roll up to quarterly and annual performance dashboard.
  • Prepare annual review memos for each assigned loan to assess overall credit quality, including performance against original underwriting expectations.
  • Conduct annual site visits to borrowers, meet with senior leadership, and see SEs in action; incorporate findings into annual review memo.
  • Identify new ways to support the dynamic needs of the portfolio.
  • Work directly with borrowers to assess the necessity and feasibility of loan extensions or modifications.
  • Proactively flag borrower financial health concerns early and often and note deteriorating conditions as well as related ideas for risk mitigation to the Senior Director of Impact Lending.
  • Prepare memos which will include an analysis of the credit while making a recommendation as to the appropriate loan modification or extension, always with a focus on repayment.
  • Investigate covenant defaults, late reporting, and/or non-payment with a focus on compliance and collection.
  • Work closely with impact lending team, accounting team, and legal counsel in cases of non-payment or troubled assets, to determine optimal strategy and related documentation required.
Requirements:
  • Prior portfolio management experience with small businesses and/or non-profits is required, including experience working with troubled loans that require modifications, extensions, and/or workouts.
  • 3+ years relevant work experience in small business or community development finance.
  • Familiarity with standard loan documentation (loan agreements, notes, guarantees, collateral agreements, reservation of rights letters, amendments, etc.).
  • Strong financial analysis skills: ability to spread and interpret non-profit and for-profit financial statement and calculate key ratios.
  • Strong communication and interpersonal skills; ability to find a balance between building trust with borrowers and holding them accountable for maintaining covenants and repayment.
  • Proven ability to prepare clear, accurate well-organized memos that synthesize and communicate the story behind the data.
  • Ability to fuse quantitative and qualitative information to drive decision-making and risk assessment.
  • Prior experience underwriting loans for non-profits and/or small businesses.
  • Knowledge of and strong interest in REDF's commitment to diversity, equity and inclusion, and bringing a DEI lens into the credit risk assessment process.
  • Ability to build and maintain systems for organizing work to manage several priorities.
  • Well-versed in Microsoft Office Suite; in particular Excel.
  • Proficiency using Salesforce as CRM system and data analytics tool for analysis and reporting.
  • Able to conduct 10+ site visits per year.
  • Knowledge of or experience in the Community Development Financial Institutions (CDFI) industry.
  • Formal credit training.
  • Experience implementing process improvements within the portfolio management function to help scale and create efficiencies as the portfolio grows.
What We Offer:
  • 13 paid holidays, Summer Fridays, and ample paid time off.
  • 16 weeks fully paid parental leave for birth parents and 8 weeks for non-birth parents.
  • A generous dollar-for-dollar retirement plan match up to 4% of your base compensation.
  • Opportunities to learn continuously by building your skills and broadening your perspectives at conferences, workshops, and more.
  • Flexible working schedules, support for big life events, and home office equipment for an ergonomic working space.
Location and Pay Range:

San Francisco or Los Angeles, California, preferred but open to remote if based in the USA. The San Francisco and Los Angeles salary range for this position is $92,000 - $120,000. The range will be adjusted according to the candidate's location.

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