We really want to get to know you! Here are some items you will need before you get started:
Cover Letter; single page (1), pdf format.
Resume; no more than two (2) pages, pdf format.
Location: All Craft3 Office Locations: WA, OR
Craft3 is a non-profit Community Development Financial Institution (CDFI) with a mission to strengthen economic, ecological and family resilience in Pacific Northwest communities. We do this by providing loans and assistance to entrepreneurs, non-profits, individuals and others, including those who don’t normally have access to financing. We then complement these financial resources with our expertise, personal connections and other advocacy for our clients. Learn more at www.craft3.org and www.craft3.org/videos
Position is responsible for managing a pipeline of consumer loans from application to closing as including all customer and program partner communication through the loan process. The successful applicant will be able to quickly learn Craft3’s systems and procedures to independently use Craft3’s loan management databases to process and underwrite loans, produce loan documents, and track data and metrics. Effective communication with internal colleagues, external partners, and customers will be essential to achieving individual lending success and team performance metrics. This communication includes, but is not limited to, navigating the loan process with clients, and partners, obtaining all necessary documentation, and managing work flows.
Craft3’s dynamic consumer lending team creates and delivers unique loans across Oregon and Washington to address unmet community needs. Our programs are designed to serve a range of client types but specialize in making credit available to those with low to moderate incomes and challenged-credit histories, while maintaining strict adherence to state and federal consumer lending laws. Our team consists of consumer lenders, loan servicing, program and portfolio management professionals who embrace creative lending and use smart credit risk management practices to achieve these goals with low rates of loss.
ESSENTIAL RESPONSIBILITIES AND DUTIES include some or all of the following and are not intended to be all-inclusive. Craft3 reserves the right to change, add or delete responsibilities and duties as seen fit. An employee’s specific job duties, priorities, and performance expectations are detailed in his/her individual performance plan.
New loan origination: Coordinate and execute the full loan origination process, including support to the customer, application review, and underwriting, documentation, and customer/partner communication.
Customer Service: Assist clients and program partners in navigating the loan process.
External partner coordination throughout the loan process: work with program partners and construction companies to navigate the loan process, keeping all parties are aware of loan status and next-steps. Obtain project documentation, and fulfill disbursements requests for timely payment to borrowers or contractors
Contribute to marketing and outreach, by representing the program at community meetings and in contractor visits, obtaining client testimonials, writing blog posts about the loan program, and pursuing other strategies, as needed.
Data accuracy and integrity: Meet Craft3’s high data accuracy and integrity and compliance standards by following protocols, performing self-audits, and suggesting process improvements to strengthen systems and procedures.
Support consumer team members as needed, such as by reviewing files and collaborating on complex scenarios.
As a member of the Consumer Team
Leadership on and/or management of discrete projects from time to time that require engagement of members of the consumer team, other business units and/or partners.
Provide exceptional customer service to all Craft3 loan clients and partners.
Utilize Craft3 lending platforms for loan management including ensuring quality control and high levels of accuracy and integrity.
Contribute to developing and documenting consumer department procedures and processes.
Maintain high standards of accuracy and consistency of record keeping and data management.
Adhere to all federal and state compliance guidelines relative to the position.
Collaborate with other Craft3 departments to streamline systems and processes.
Support the organization's All Team performance standards; Ownership, Respect, and Flexibility
Demonstrate stewardship for the Craft3 Brand.
Approve consumer loans per defined process/parameters, including Energy Efficiency, Clean Water, and Ada Developers Academy loan programs.
Approve and coordinate Changes in Terms agreements for consumer loan per defined process/parameters.
Amend/reduce rates/terms as needed to avoid high-cost loan parameters.
Authorize disbursement of loan proceeds through finance per specified process/parameters.
In support of Payment & Loan Servicing, if required: Negotiate payment arrangements with past-due borrowers, negotiate related Changes in Terms proposals, waive late payment fees when deemed appropriate, reduce subordination fees when deemed appropriate.
Authorize distribution of loan documents meeting program parameters.
Authorize disbursement of loan proceeds through finance per specified process/parameters.
In support of Payment & Loan Servicing, if required: Waive late payment fees when deemed appropriate, reduce subordination fees when deemed appropriate.
POSITION SCOPE – Direct Reports – None
POSITION SCOPE – Indirect Reports – None
To perform this job successfully, an individual must be able to demonstrate leadership in the accomplishment of the responsibilities of the position. The required qualifications listed below are representative of the knowledge, skill, and/or ability required to achieve success in this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
TYPICAL PROBLEM SOLVING
Apply strategic problem solving and troubleshooting skills, collaboration and relationship management skills, and common-sense understanding to complicated situations. Address challenges involving many variables and/or parties in sometimes difficult and stressful situations. Examples include: managing many simultaneous high priority projects and user requests, juggling urgent customer service needs, building consensus amongst internal staff and/or partners, identifying and developing procedures to meet stated needs, and other situations that may arise.
MINIMUM EDUCATION AND WORK EXPERIENCE REQUIREMENTS
Associates Degree or equivalent experience required. Minimum three years’ experience in lending, banking, community development, program management, nonprofit program implementation, and/or customer service preferred. Experience with consumer lending (such as loan processing, documentation, funding) a plus.
OTHER SKILLS AND ABILITIES
Motivated self-starter with an entrepreneurial spirit.
Excellent customer service skills including relationship building success with internal and external partners.
Project management and leadership skills.
Strong collaboration skills with internal and external colleagues, local and at satellite offices.
Strong oral and written communication, and keen attention to detail.
Ability to develop new procedures to meet identified needs and/or to adjust to changes in procedures.
Strong work ethic, a high level of integrity, and the desire to achieve.
Strong prioritization, organization, and effective time management to succeed in fast-paced environment.
Proficiency with loan and customer relations management database platforms.
Demonstrated ability to adhere to policies, procedures, and regulatory banking requirements.
CERTIFICATES, LICENSES, REGISTRATIONS
(May be obtained during employment at Craft3)
Notary Public for Washington and Oregon
Mortgage Loan Originator licenses for Washington and Oregon through NMLS
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually low to moderate as found in typical office environments.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel; and talk and hear. The employee frequently is required to walk. The employee is occasionally required to stand and reach with hands and arms. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision.
Periodic travel to other Craft3 offices in Oregon and Washington will be required.
The resume and cover letter combined must be enclosed as an attached PDF document of no more than three pages in length (one for the cover letter and two for the resume). Applications that do not meet these requirements will not be reviewed.
Resumes should clearly state experience including relevant current and previous positions with company name, job title, dates held, job responsibilities/results; education, certifications, and licensees obtained with dates; relevant computer skills, and/or anything else to help us assess your experience and fit with Craft3.
Position is open until filled. Applications will be reviewed starting on 07/10/17
Craft3 is an equal opportunity employer; women and minorities are encouraged to apply.
Additional Salary Information: Craft3 will offer a competitive salary based on experience and skills, as well as an excellent benefits package including medical, dental, vision, Life/AD&D, LTD/STD insurance, paid sick and vacation leave, volunteer time off, and 403B Retirement savings plan with employer match.
Craft3 is a non-profit Community Development Financial Institution (CDFI) with a mission to strengthen economic, ecological and family resilience in Pacific Northwest communities. We do this by providing loans and assistance to entrepreneurs, non-profits, individuals and others, including those who don’t normally have access to financing. We then complement these financial resources with our expertise, personal connections and other advocacy for our clients. Learn more at www.craft3.org.