[Hiring] Business Development & Lending Officer @People Inc

Role Description

The Business Development & Lending Officer identifies and develops lending opportunities in underserved markets, guides applicants through the process, and manages business loans from initial outreach through closing and beyond.

• Build relationships & develop opportunities
  • Conduct proactive outreach in underserved markets and communities to cultivate new lending opportunities.
  • Respond to internal and external referrals promptly and professionally.
  • Promote loan products and business resources to prospective borrowers, community organizations, and referral partners.
  • Represent the agency at public forums, outreach activities, business visits, and community events.
• Guide clients & originate loans
  • Explain available loan products and help prospective borrowers understand program requirements.
  • Gather and verify information about applicants and their businesses to support informed lending decisions.
  • Analyze applications to assess creditworthiness and the probability of repayment.
  • Maintain clear, consistent communication with applicants from inquiry through approval and after closing.
• Underwrite, structure & close
  • Complete industry, financial, and risk analyses to recommend appropriate loan terms and repayment structures.
  • Ensure loan requests comply with applicable policies and procedures.
  • Prepare clear credit memorandums and submit requests to the appropriate approval authority or loan committee.
  • Coordinate loan closings and prepare documentation in consultation with staff and legal counsel.
• Support borrowers & manage the portfolio
  • Help prospective applicants and existing borrowers develop action plans involving budgets, credit improvement, financial planning, or business plans.
  • Maintain accurate borrower files and enter required client and impact data in management systems.
  • Monitor borrowers’ financial and organizational health, provide post-closing technical assistance, and recommend action or restructuring when appropriate.
  • Partner with collections staff to work with delinquent borrowers toward feasible repayment solutions.
  • Assist with internal and external reporting and support team projects as assigned.

Qualifications

• Experience in credit management, lending and finance, and/or business development.
• An 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.

Requirements

• Strong communication, networking, presentation, and relationship-management skills.
• Working knowledge of financial analysis, credit evaluation, and lending fundamentals.
• An analytical, detail-oriented, and solution-focused approach to problem-solving.
• Effective time management and the ability to organize competing priorities with limited oversight.
• Adaptability, resilience, sound judgment, and a commitment to learning and community development.
• An understanding of compliance, confidentiality, and operational expectations.

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.
• A very generous paid time off program.