A Business or Management Consultant provides strategic management consulting to companies and businesses. Advises on ways to improve operations, increase efficiency, reduce costs and increase revenues; may recommend systems or organizational change. Works with business management analysts; frames problems for business clients, and develops plans to address inefficiencies.
The Small Business Loan Officer is primarily responsible for developing loan applications, underwriting, and servicing loans to small businesses for AVCOG's Federal, State, and local revolving loan fund programs. Additionally, this role involves providing technical assistance to potential and existing loan clients, preparing required reports for funding agencies, and marketing efforts.
POSITION DESCRIPTION
A. Administration of financial packaging and lending programs: Responsible for collecting and compiling necessary data to prepare a loan application package and complete underwriting of loans; to include screening loan applicants for eligibility and loan worthiness, presentation to AVCOG Finance and Executive Directors, and AVCOG loan committee. Prepare commitment letter and associated closing documents. Close loans and/or coordinate appropriate closings with attorneys. Provide pre and post loan technical assistance to existing and potential borrowers. B.
Loan Administration/Servicing:
Perform functions to administer loans; to include portfolio servicing, responding to borrower requests, loan modifications, maintaining required documentation and loan files, maintaining technical assistance documentation, assist with quarterly and semi-annual reporting. Contact borrowers with overdue accounts for collection or resolution, work with legal counsel to address persistent delinquent accounts, issue late notices, prepare monthly collections report, document communication for loan file. Collaborate with Client & Administrative Support Specialist to maintain tickler system for meeting above requirements. C.
Other:
Market loan programs; to include representing AVCOG at various events related to lending and/or small business start-up or expansion, build relationships with local bankers, economic development officials, and others. Prepare and distribute marketing material. Discuss new program opportunities with Finance and Executive Directors.
QUALIFICATIONS
Minimum Required qualifications Four-year college degree required in business administration, finance or accounting. Graduate level study and/or three to five years of progressively responsible commercial underwriting experience preferred. This position requires a high level of knowledge in business financing and requires a strong understanding and analysis of financial statements and tax returns. Please describe your experience in these areas. Ability to communicate effectively in both oral and written form; Ability to manage concurrent tasks efficiently; Ability to manage one's own time and work in an independent and team environment. This full-time position offers a competitive starting salary ($72,000 - $85,000 per year, based on experience) and excellent benefits including medical, dental, and vision insurances; HSA with company contribution; HRA with deductible reimbursement; life and voluntary disability insurances; medical and dependent care flexible spending; Maine Public Employees Retirement System (MPERS); paid vacation and sick leave; 13 paid holidays; flexible schedule with 37 ½ hour workweek, and a hybrid remote work schedule may be available following the initial training period. Interested individuals should submit cover letter with resume to avcog@avcog.org AVCOG is an equal employment opportunity employer and complies with applicable employment laws prohibiting discrimination, including without limitation those based on race, color, religion, sex (including pregnancy and related conditions, gender identity, and sexual orientation), national origin, age, disability or genetic information and any other status protected by federal, state, or local laws.
