Job Description

About the Organization 

The Momentus Capital branded family of organizations - which includes Capital Impact Partners , 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.

Position Summary

The Portfolio Loan Officer is responsible for representing Capital Impact in its lending in underserved communities, focusing particularly on our long history of working with charter schools and community-based health care organizations and others. This position reports to the Director, Portfolio & Asset Management and can be based near any of our offices in Arlington, VA, New York, NY, Detroit, MI, Oakland, CA, or Austin, TX.

Essential Responsibilities

· Manage the credit quality and earning capacity of the loans within their portfolio according to credit policies and guidelines.

· Analyze financial statements and spreads to identify credit strengths and risks.

· Prepare annual reviews for each assigned loan to determine overall asset quality.

· Monitor and determine upgrades or downgrades to loan risk ratings.

· Prepare credit memos for loan modifications and covenant waivers within a timely manner.

· Develop strong relationships with existing customers, other financial intermediaries and Community Development Financial Institutions (CDFIs).

· Refer additional lending opportunities to originations team.

· Collaborate closely with all lending staff to ensure excellent customer service.

Requirements

· High School Diploma or equivalent with 6 years of experience in a related field, or Bachelor’s degree in Accounting, Finance or other relevant fields with a minimum of 2 years’ professional work experience in commercial underwriting or loan portfolio/asset management. Completed coursework or training in credit risk management is strongly preferred. Education level will be considered on a holistic basis considering both education and work experience.

· Working knowledge of business lending products, services, and commercial credit.

· Demonstrated financial analysis ability and excellent communication skills.

· Strong written and organizational skills, detail-oriented and a self-starter.

· Possess sufficient credit skills to conduct risk assessment and manage a portfolio.

· Prior experience providing credit to or managing loans to health care, education, CDFIs and/or affordable housing organizations is a plus.

· Knowledge of New Markets Tax Credits (NMTC) and CDFIs is preferred.

Proficiency with Microsoft Office (particularly Word, Excel, and Power Point) and the ability to learn specific customer management software and related programs.

Benefits

The salary range for this position is $80,573 -$107,566 and is eligible for an annual 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.

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