What are the responsibilities and job description for the Senior Associate, Portfolio Management position at Global Impact Investing Network?

We are seeking a highly skilled Senior Associate, Portfolio Management to join our dynamic team. The ideal candidate will be reporting directly to the VP of Credit and Risk, the Senior Associate, Portfolio Management is responsible for managing a portfolio of existing commercial loan clients. The Senior Associate is responsible for the proactive management of assigned RSF loans post-close to monitor borrower compliance, underwrite renewals, identifying areas of risk, evaluating borrowers’ long-term viability / performance and proactively mitigating potential defaults and loan loss. The role acts as the primary point of contact and key financial advisor for the assigned borrowers.

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Manage a portfolio of 20-30 loans, including :
In coordination with originating lender, serve as borrower’s primary post-close contact for monitoring, servicing, modifications and new loan requests.
Post-close review of loan terms and conditions to verify all necessary information is in the loan systems to properly monitor ongoing compliance and key reporting and performance dates.
Periodic collection, review and analysis of financial, impact reporting, covenant testing and monitoring and other reporting information for risk monitoring and updated risk recertification in accordance with the loan agreement.
Periodic site visits to assess borrower’s financial health, check collateral condition where warranted and identify relationship issues and / or opportunities.
Work with originating lender and loan servicing staff as appropriate to address compliance issues, delinquency and any required modifications to loan terms and conditions.
Make recommendations on loan risk rating downgrades and perform analysis on collateral value and potential loan loss.
Maintain accurate and complete loan files and support as needed requests for portfolio or borrower information.
Implement as required RSF delinquent and troubled loan procedures and policies.
Monitor borrower delinquencies to resolve payment problems and other borrower related issues.
Proactively manage borrower delinquencies through meetings with borrowers; requiring, obtaining, and reviewing borrower financial and cash flow statements; and developing action plans for remedying delinquencies, with support of the VP of Credit & Risk.
Perform data entry for Sageworks related to covenant and financial ticklers on assigned credits.
Support maintenance of Abrigo robust tracking system for loan and collateral reporting / compliance requirements.
Identify trends and risk issues that may impact portfolio sectors or geographies. Support portfolio reviews or stress testing.
Perform other projects as assigned.
Underwrite loan renewals or increases of existing relationships ensuring compliance with RSF Social Finance policies and procedures.
Support Director of Credit & Risk with new business loan underwriting as assigned.
Perform annual reviews for credit facilities in assigned portfolio and other loans as assigned.
Recommend modifications to policies, procedures or risk rating methods to improve risk identification and mitigation.
Utilize data analysis techniques to interpret complex financial data, identify key trends, and provide actionable insights that support decision-making in credit risk and portfolio management.

Credit Project Management (20%)

Attend monthly Troubled Loan Committee meetings to track action items for existing troubled loans

Test monthly borrowing base compliance on assigned loan portfolio

Compile quarterly loan portfolio reporting for internal and external stakeholders as assigned.

Monitor industry risks as part of portfolio management as requested.

Provide support to credit team as needed.

RSF Social Finance is a proud equal opportunity employer supporting workforce diversity; candidates representing a variety of backgrounds are encouraged to apply.

Qualifications

A skilled senior associate with a relational approach that excels in fostering genuine, long-term connections with borrowers.

Adept at active listening, empathetic engagement, and clear articulation to build trust and mutual understanding.

Ability to deeply understand client needs, goals, and values, ensuring tailored solutions and personalized service.

Bachelor’s degree preferred, in business, accounting, finance, economics or community development. In lieu of degree, 3 years of relevant experience.

1-3 years’ commercial credit underwriting and administration experience, including asset and cash flow-based credit analysis skills, financial modeling skills, and commercial loan structuring.

Demonstrated competency in commercial portfolio compliance disciplines and terminology, high-level credit and financial analysis, underwriting policies and procedures, and loan restructuring.

Familiarity with the social finance sector, social enterprise, or one of RSF’s focus areas is preferred

Statistical Analysis : Ability to apply statistical methods to analyze and interpret data, which helps in forecasting and risk assessment.

Financial Modeling : Proficiency in creating and managing detailed financial models that simulate the financial performance of different scenarios to assess potential risks

Ability to multi-task and maintain accurate records in varying systems

Excellent verbal and written communication skills

Ability to learn new concepts and systems quickly and efficiently

Must be able to work remotely during RSF’s Pacific Standard Time work hours and come into the office 1x a week.

Must be available to occasionally work outside of regular office hours when needed

Must be located in commuting distance to the Bay Area

COVER LETTER REQUIRED

To apply

Please submit a resume directly to the posting along with a thoughtful cover letter explaining why you are interested in the mission / values / activities of RSF Social Finance and why you are qualified for this position. No phone calls please.

Note : Applications without a cover letter will not be considered.

RSF Social Finance is a proud equal opportunity employer supporting workforce diversity; candidates representing a variety of backgrounds are encouraged to apply.

RSF Social Finance

RSF Social Finance seeks to revolutionize how people relate to and work with money. We’re a financial services organization that has formed a growing community of motivated, values-driven investors, donors, and entrepreneurs. Together, we are committed to transforming an unjust and extractive economy to one that brings healing and regeneration.

RSF envisions an economy rooted in equity, healing, and interconnectedness.

Our mission is to catalyze transformation by circulating capital to social enterprises for a more just, regenerative, and compassionate world.

We value Collaboration, Accountability and Make a Difference.

Social finance uses financial resources in service to innovative, values-driven economic initiatives. The focus is on building direct relationships between the transaction participants so they may understand and work together to meet everyone’s needs.

For over 40 years, RSF has focused on relationships over transactions, integration over fragmentation, and mutual support over competition. When you join RSF, you become part of a highly engaged team that lives these values with each other and their clients.

We are growing to meet the needs of our community! We are looking for staff who are ready for a career with a mission-driven organization, want to be valued, have diverse experience and skills, and want to have fun! If this sounds like you, we would love to have you join our team!

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