Credit Analyst - To 75K - Remote (Pennsylvania) - Job 3139

LendingOne is a direct private lender for Real Estate professionals headquartered in Boca Raton, FL with additional offices in Charlotte, NC and Great Neck, NY. LendingOne made the Inc. 500 list of the fastest-growing private companies in America in 2019. Along with being rated one of the Top Workplaces in 2024 - for the third consecutive year -  by Sun Sentinel!   We specialize in providing business-purpose mortgage loans for non-owner-occupied investment properties. We offer fix/flip bridge loans and long-term rental financing. Not a broker nor a bank, but a fully funded lending partner that can close consistently. LendingOne and its affiliates have extensive real estate experience and have provided over $6 Billion in real estate capital. Position Overview: Territory Loan Officers build market position by locating, developing, defining, negotiating, and closing new business relationships. Territory Loan Officers assist both LendingOne and potential borrowers in assessing the borrower's business ventures, analyzing the borrower's income potential, credit worthiness, and advising the borrower regarding the business decision of using LendingOne financial products. A successful candidate will have a strong understanding of real estate ventures and business operations, has a sense of urgency, initiative, and competitive drive to get things done and will possess a natural enthusiasm in working with and through people in the process. We are looking for talented and competitive professionals with consultative sales experience that thrive in a fast-paced environment. This person will maintain the skills necessary to engage professionally and successfully with new clients, building relationships and gaining repeat business. Semi-frequent visits to our Headquarters office in Boca Raton, FL may be necessary.  Requirements Qualifications: The following qualifications and responsibilities serve as a position overview and are not exhaustive. Employees are expected to be team players and may take on additional tasks as needed. Preferred Skills:  Minimum 2 years of experience in the real estate lending space (conventional/nonQM/mortgage insurance, etc.) Minimum 2 years of professional real estate consultative sales experience with high net-worth clientele Experience in commercial and residential mortgage lending  Experience building client relationships by phone Required Skills:  Minimum 3 years in business to business sales Excellent written and verbal communication, strong organizational skills, and time management.  High attention to detail and critical thinking skills, with the ability to anticipate and address potential issues.  Comfortability working in a fast paced, technology driven environment A proactive and adaptable approach to problem-solving with a positive, team-oriented mindset, high-energy, and persistence  Responsibilities: Develop and Execute Growth Strategies: Focus on driving financial growth and enhancing customer satisfaction within the assigned geographical territory. Promote LendingOne’s Products and Services: Address and anticipate client objectives, providing tailored solutions to meet their investment needs. Engage with Prospective Clients: Arrange and conduct business meetings to build relationships and identify new opportunities. Act as a Trusted Advisor: Educate clients on LendingOne’s products and services, analyze their assets and investments, and guide them through the lending process while offering personalized financial advice. Nurture Client Relationships: Provide exceptional service, cultivate long-term partnerships, and secure repeat business through consistent communication and support. Evaluate and Screen Business Opportunities: Protect LendingOne’s interests by analyzing market strategies, deal requirements, and financial viability while recommending suitable products and services. Facilitate Smooth Transactions: Collaborate with internal teams to ensure the timely collection of required documents and the seamless execution of the closing process. Communicate Effectively: Maintain clear and consistent communication with internal and external stakeholders regarding progress, timelines, and key deliverables. Drive New Business: Proactively contact potential partners and clients in a lead-generated environment, successfully closing new business opportunities. Benefits Why LendingOne: Diverse and inclusive workplace, with a supportive and friendly team Company awards, recognitions, and community involvement opportunities Comprehensive benefits package: medical, dental, vision, short and long-term disability, flexible spending accounts, generous 401(k) match, and more! 10 Company-paid holidays, and Paid-time Off Work-From-Home Fridays! Regular company-sponsored lunches, team-building and social events, and company swag to promote engagement and connection We believe in promoting from within Dedicated Learning & Development Team: comprehensive technical training, career paths, and education reimbursement opportunities!  LendingOne is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, national origin, gender, age, religion, disability, sexual orientation, veteran status, or marital status.

The Position Our bank client is seeking to fill an SVP – Credit Administrator role in the Dallas, TX area. The successful candidate will oversee the Loan Operations Department with direct management of the VP of Loan Operations. The position includes a generous salary of up to $150K and an excellent benefits package. SVP – Credit Administrator responsibilities include: Booking loans to the core, preparation, and distribution of loan statements, application of loan payments, internal loan document preparation, loan fundings, exception tracking, appraisal administration, and collateral administration. Overseeing the implementation of and serving as the lead administrator for a bank-wide loan origination system, should the Bank decide to adopt a platform. Overseeing regulatory exam preparation and serving as the primary point of contact for regulatory exams on all lending matters. Working in coordination with the Compliance Officer to ensure compliance with all laws and regulations with respect to lending. Performing portfolio-level analytics and stress testing to inform management of risks within the loan portfolio including concentration risk and interest rate risk. Preparing and presenting relevant findings to management and the Board of Directors with recommendation for risk management strategies. Working in coordination with the CFO in preparation of the quarterly ALLL Report. Ensuring that financial spreads and analyses, collateral analyses, and all other components of the underwriting process adequately address credit risks and are presented in an effective manner to all appropriate audiences (approver, auditor, examiner, loan operations, etc.). Serving as the primary point of quality control on credit underwriting ensuring that the underwriting process is efficient and effective. Ensuring the loan policy adequately addresses the banks credit culture and any exceptions to it are properly documented and tracked. Tracking any changes that need to be made throughout the year and presenting annually to the Board of Directors for approval. Managing outsourced loan review audits. Working in coordination with the Compliance Officer and CFO on all internal control audits and financial statement audits as they relate to loan operations. Hiring and development of analysts will be done in partnership with and oversight from the President as the Credit Analyst role is intended to develop into Relationship Managers. Requirements Who Are You? You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future. You also bring the following skills and experience: Bachelor’s Degree, preferably in business, economics, or finance with an emphasis in accounting is preferred. Other business degrees are acceptable with comparable experience. Completion of a formal credit training program is preferred. Five or more years of experience in credit underwriting and analysis. Understanding loan structures, collateral documentation, and bank regulations and compliance is required. Knowledgeable about basic consumer and commercial deposit, credit, and treasury management products. Experience in loan portfolio risk management, loan operations, loan policy, ALLL analysis, bank examinations, and managing people is preferred. Excellent interpersonal people skills with the ability to act in a professional, trust-building, relational manner. Handle multiple projects simultaneously. Proficiency in MS Excel and MS Word. Benefits The position includes a generous salary of up to $150K and an excellent benefits package.

About the Organization The Momentus Capital branded family of organizations - which includes Capital Impact Partners and CDC Small Business Finance and Momentus Securities (an SEC-registered broker-dealer, MSRB-registered, FINRA/SIPC member) - are transforming how capital and investments flow into communities to provide people access to the capital and opportunities they deserve.   We are working to reinvent traditional financial systems and advance locally-led solutions that create economic mobility and generational wealth. Through our continuum of financial, knowledge, and social capital, we offer a comprehensive package of loan products, impact investment opportunities, training and business advising programs, and technology solutions.  Our holistic and streamlined approach offers comprehensive solutions for small business entrepreneurs, real estate developers, community-based organizations, and local leaders at every stage of growth, from inception to expansion. When these leaders have the opportunity to succeed, their communities, their residents – and our country – thrive. Primary Function The Director of Credit Administration is responsible for loan approval and the development, updates  and implementation, and credit risk monitoring of all the small business lending credit policies/guidelines, in accordance with internal guidelines, Small Business Administration (SBA) Standard Operating Procedure (SOP) for  7(a) Small Loan Program, state guaranteed loans and non-guaranteed loans to ensure compliance and adherence to quality control for the aforementioned programs. This position supports the Small Business Lending team charged with continuous growth as a mission based small business lender.  The Director of Credit Administrations reports to the Head of Credit Small Business and Community Development Credit. Requirements Essential Responsibilities: ·       Work in conjunction with the SVP Small Business Lending and the underwriting management to ensure compliance with credit policy, maintain approval of credit exceptions, creation and updates to risk rating worksheets, implementation of credit scoring tools, product development/evaluation, and other technological solutions to boost operational efficiency to support production growth while maintaining sound credit guidelines. ·       Provide review and commentary of credit memorandums completed by Small Business Lending underwriting staff and provide the approvals needed for formal loan approval for loan types above delegated loan limit.  Responsible for ensuring prudent loan approval conditions are outlined and archived in the credit memorandum for each loan approval based on the credit merits and shortfalls of the individual loan prior to final loan approval.  ·       Serve as a member of the approval body for the Commercial Real Estate team Impower 95 real estate backed loans up to the delegated loan approval limit, including providing input on the credit memo review, credit guidelines updates/revisions and approval of credit exceptions as necessary. ·       Oversee compliance risk rating classification for the origination team to make periodic updates to the definitions in collaboration with operations, originations along with approval by Head of Credit. ·       Serve as primary liaison and committee chair for CDC SBL Credit Committee.  Schedule regular quarterly meetings, aggregate and maintain meeting agenda including tracking of any proposed, approved and implemented loan origination credit policies, coordinate regular portfolio performance update and recommendation by the portfolio management, provide regular economic updates and updates for other credit initiatives by the small business lending team.  ·       Lead the review and approval of the monthly risk set aside report for the CDC small business loan portfolio and recommend adjustments to the loan loss allowance provision, coordinate with Portfolio Management and Accounting to review prior loss rate and recommend adjustments based on portfolio performance, charge off activity and risk rating changes. Respond to questions related to Credit functions regarding loan sales as applicable. ·       Support the Head of Credit by preparing the monthly portfolio highlights updates to the SBL portfolio in collaboration with management from operations including adding credit related highlights for dissemination to the broader leadership team at Momentus Capital. ·       Serve as subject matter expert (SME) to provide input and lead technology solutions such as design and automation of the credit memos, including updates and guide process improvement initiatives as it relates to credit functions. ·       Provide general support to Small Business Lending team by answering credit and program requirement questions related to Small Business loan products. ·       Participate in internal, external, SBA 7a Connect and Community Advantage Training Calls and regulatory audits of the Smart Growth credit origination and portfolio, including industry trade association such as NAGGL to stay abreast of best practices and updates. ·       Collaborate on audit responses with the Senior Vice President, Small Business Lending and Momentus Capital audit manager as requested. Prepare any resulting credit policy updates/changes and work with staff to resolve outstanding exception items. ·       Other duties as assigned.  Required Qualifications: ·       Minimum of 10 years’ commercial credit experience, with at least five years of credit approval authority including both SBA 7a loan program, state guarantees, and non-SBA loans as well as real estate backed loans. ·       Bachelor’s degree or advanced degree in business, accounting, finance, or related field preferred. Education level will be considered on a holistic basis considering both education and work experience. ·       Strong technical, financial and analytical skills as well as ability to interpret technical documents, create/maintain risk rating matrix, credit memo design as well as other technical and non-technical templates. ·       Strong written and verbal communication skills, including high level of diplomacy and responsiveness with ability to manage a broad range of program responsibilities.  ·       Excellent organizational and time management skills, operate with a sense of urgency, and independently manage the department’s daily functions. ·       Ability to coach and mentor and collaborate with the underwriting team to arrange training regarding policy updates and changes. ·       Strong interpersonal and problem-solving skills to respond in high-pressure situations, use sound judgment to develop sound solutions, and communicate effectively to navigate difficult conversations. ·       Proficiency in Microsoft Office (especially Word, Excel, and PowerPoint), the Google Suite of products, PowerBI reports (including Google Drive, Calendar, Gmail, Sheets, Docs, and Meet), and zoom, with the ability to quickly learn customer management software and related programs. Benefits The salary range for this position is $106,559 - $142,257 and is eligible for an additional incentive.  This role is eligible to work remotely. All employees must be legally authorized to work in the United States. The Company will not sponsor applicants for work visas. EEO: Momentus Capital is an equal opportunity employer and is fully committed to providing employment for qualified individuals, free from discrimination on the basis of race, color, religion, sex, age, sexual orientation, gender identity, national origin, disability, marital status, pregnancy, childbirth or related medical conditions, or any other protected characteristic established by applicable law.

Commercial Credit Analyst – To $75K – Lombard, IL – Job # 3493 Who We Are The Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & Rockport, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers or accountants themselves! We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you. The Position Our bank client is seeking to fill a Commercial Credit Analyst role in the Lombard, IL market. The successful Credit Analyst candidate will be responsible for processing daily credit transactions per the credit policy and procedures, maintaining records and files on all credit transactions, including correspondence and documents. This position comes with a generous salary of up to $75K and full benefits package. (This is not a remote position). Commercial Credit Analyst responsibilities include: Performing in-depth financial analysis (spreading and analyzing financial statements). Receiving data on prospective and active borrowing accounts, i.e., financial statements, tax returns, agency and credit reports, and interview and investigation sheets. Analyzing data and evaluates the short- and long-run prospects of the individual or company. Making recommendations to appropriate personnel on the granting or denying of loans. Preparing sufficient information to document recommendations, if assigned to a lending function. Suggesting a loan grade after conducting a thorough credit analysis and documentation review. Ensuring that all credit analysis activities are conducted in accordance with prescribed lending policy. Providing thorough documentation of all financial analysis work, including ratios, cash flow, and collateral analysis, and other related information. Accompanying Commercial Lenders on customer’s meetings when needed. Providing leadership, on-the-job training, and technical guidance to the other credit analysts. All other duties assigned. Who Are You? You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future. You also bring the following skills and experience: Bachelor’s Degree in a related field of study preferred specialized financial analysis training. Five or more years of experience as a Credit Analyst required. Experienced in preparing credit presentations. Able to manage/process/track annual reviews of the necessary credits. Thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations. Proficient ability to analyze and interpret financial statements. Excellent written and verbal communication skills. Strong organizational skills with an eye for detail. Ability to multi-task. Adept with spreadsheet and word processing software as well as have experience working in a digital office environment. The next step is yours. Email us your current resume along with the position you are considering to: resumes@symicorgroup.com

Commercial Credit Analyst – To $80K – Philadelphia, PA – Job # 3518 Who We Are The Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & Rockport, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers or accountants themselves! We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you. The Position Our bank client is seeking to fill a Commercial Credit Analyst role in the Philadelphia, PA market. The successful Credit Analyst candidate will be responsible for processing daily credit transactions per the credit policy and procedures, maintaining records and files on all credit transactions, including correspondence and documents. This position comes with a generous salary of up to $80K and full benefits package. (This is not a remote position). Commercial Credit Analyst responsibilities include: Performing in-depth financial analysis (spreading and analyzing financial statements). Receiving data on prospective and active borrowing accounts, i.e., financial statements, tax returns, agency and credit reports, and interview and investigation sheets. Analyzing data and evaluates the short- and long-run prospects of the individual or company. Making recommendations to appropriate personnel on the granting or denying of loans. Preparing sufficient information to document recommendations, if assigned to a lending function. Suggesting a loan grade after conducting a thorough credit analysis and documentation review. Ensuring that all credit analysis activities are conducted in accordance with prescribed lending policy. Providing thorough documentation of all financial analysis work, including ratios, cash flow, and collateral analysis, and other related information. Accompanying Commercial Lenders on customer’s meetings when needed. Providing leadership, on-the-job training, and technical guidance to the other credit analysts. All other duties assigned. Who Are You? You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future. You also bring the following skills and experience: Bachelor’s Degree in a related field of study preferred specialized financial analysis training. Five or more years of experience as a Credit Analyst required. Experienced in preparing credit presentations. Able to manage/process/track annual reviews of the necessary credits. Thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations. Proficient ability to analyze and interpret financial statements. Excellent written and verbal communication skills. Strong organizational skills with an eye for detail. Ability to multi-task. Adept with spreadsheet and word processing software as well as have experience working in a digital office environment. The next step is yours. Email us your current resume along with the position you are considering to: resumes@symicorgroup.com

About JMAC Lending: With over 25 years of experience, JMAC Lending has been dedicated to enhancing the client experience through our cutting-edge products, outstanding service, and unwavering support. We are committed to empowering our partners and driving business growth together. Our culture is centered around exceeding current market options, making us the preferred lender for our clients. Our team boasts impressive credentials and engages in continuous learning, ensuring a perfect blend of knowledge and expertise. Built on a foundation of ethical integrity, our company efficiently and skillfully delivers competitive product pricing for both wholesale and correspondent lending, prioritizing our clients' needs. The Opportunity: The Loan Setup & Disclosures Specialist plays a crucial role in reviewing and facilitating the setup of loan files for underwriting submission. They are also responsible for ensuring that all disclosures are properly issued and that compliance requirements are thoroughly met throughout the loan process. This is a Full-Time/Fully In-Office opportunity offering competitive pay ranging from $23.40-$28.60 per hour. Job Duties and Responsibilities: Review/Prepare Initial Disclosures Review initial disclosures provided by clients to validate compliance and ensure timing requirements have been met. Prepare initial disclosures for client to review or issue to meet timing requirements. Review Submission Requests Review loan submission documents for completeness to submit to underwriting. Index and status submission documents accordingly. Add conditions for required items that are missing at the time of submission. Issue Notice of Incomplete Application for incomplete submission files. Review and Redisclose Change of Circumstance Review COC requests to confirm validity and determine if redisclosing is required. Redisclose disclosures within TRID timing requirements. Issue Closing Disclosures Validate Closing Disclosure requests on Doc Request Form. Communicate with client and settlement agent for required documentation to prepare an accurate Closing Disclosure. Confirm Closing Disclosure meets loan term requirements and compliance. Task Coordination and Communication Assist clients with disclosure and submission related issues or questions. Ensure all items received in the disclosures mailbox are addressed within the required turn time such as: Service Level Agreements (SLA), COC requests and Initial Closing Disclosure requests. Mail disclosures that have not been consented within TRID timing requirements. Manage pipelines and dashboards to ensure tasks are completed within turn time. Requirements Minimum two years of mortgage related role(s) Knowledge in TILA-RESPA integrated disclosures (TRID) guidelines Understanding in the following loan programs: Conventional, Government, Jumbo and Non-QM High School Diploma or equivalent Proficient in using mortgage loan operating software and systems Strong computer skills, including proficiency in Microsoft Office applications Excellent written and verbal communication skills for interacting with internal and external relationships High level of attention to detail Ability to manage multiple tasks and prioritize workload to meet deadlines Ability to work effectively in a team and collaborate with other departments Flexibility to adapt to changes in policies and procedures Benefits Comprehensive Health Care Package (Medical, Dental & Vision) Life Insurance Options (Basic, Voluntary & AD&D) Generous Paid Time Off (Vacation & Holidays) Retirement Savings Plan (401k) Short-Term & Long-Term Disability Coverage Family Leave Benefits Wellness Support Resources JMAC Lending, Inc. is an Equal Employment Employer. We are committed to workforce diversity. Qualified applicants will receive consideration without regards to age, race, religion, sex, sexual orientation, gender identity or national origin. DISCLAIMER: JMAC Lending is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.