Portfolio Risk Analyst

WHO We Are: 

Self-Help started in 1980 with a focus on economic inequality, especially in communities that have faced systemic barriers in building wealth. At the core of what Self-Help does is a drive to create and protect ownership and economic opportunity. In other words, we’re committed to economic justice! Economic Justice means that all communities have the basic infrastructure they need to thrive, from high-quality schools to grocery stores selling fresh food resources that support opportunity at a neighborhood level regardless of demographics, income, or wealth. Since our founding, we’ve constantly sought to find new ways to pursue greater economic justice: from providing fair and affordable loans to working with partners to demand that lawmakers change unjust policies. 

We are seeking a Portfolio Risk Analyst to join our Durham team! 

The Portfolio Risk Analyst will support the Commercial Lending Asset Quality team in reviewing the credit risk of an assigned loan portfolio through analysis, and relationship building. This individual must clearly understand the value of customer service as the Portfolio Risk Analyst will have frequent direct contact with both internal and external customers and needs to quickly master and understand the Commercial Team’s loan programs.  

WHAT You'll DO: 

• Working under general supervision, analyze the risk for the assigned loan portfolio including: 
• Collect and analyze financial statements of borrowers. 
• Propose changes in risk rating based on completed analysis and risk management reports. 
• Perform annual site visits to borrowers, and provide technical assistance as needed. 
• Assist loan officers in the analysis of loan modifications. 
• Review appraisal and environmental reports for potential and existing borrowers as needed. 
• Develop expertise in one or more of the key sectors. Perform external research as needed. 
• Assist portfolio level analysis, reports, and presentation to top management. 
• Build and maintain strong relationships with borrowers in assigned loan portfolio. Actively participate in servicing and monitoring, providing excellent customer service.  
• Serve as lead borrower contact and coordinate with internal partners as needed, such as Servicing, Special Assets, Legal, and Commercial Lending Team. 
• Perform annual site visits and provide technical assistance as needed.  
• On loans in assigned portfolio, serve as lead contact as needed with external lenders, guaranty programs, and other loan-related external parties. 
• Support handoff from Commercial Lending with the goal of providing seamless borrower transition. Support borrower handoff back to Commercial Lending if borrower needs a new loan or additional funding. 
• If borrower requests a modification, lead collection of background, financial statements, and other information. Use information to develop the modification request, including writing the memo, completing analysis, and coordinating with the assigned underwriter. 
• If the loan transitions to Special Assets, support the handoff to Special Assets. 
• Lead projects and work collaboratively in teams to improve operational efficiency of commercial lending and enhance risk management data systems and processes.  
• Act as a change agent to drive Self-Help’s economic inclusion initiatives by integrating supplier diversity and the use of businesses owned by women and people of color in third party contracting and vendor management for relevant products and services. 
• Handle other projects and duties as may be deemed necessary. 

WHAT You’ll NEED: 

• Bachelor’s degree with a Business, Accounting or Finance focus or equivalent relevant experience.   
• 2 years of experience in lending, finance, community economic development or other organizations focused in one or more of the key sectors Self-Help lends in:  commercial real estate, charter school, renewable energy, health foods, community facilities, hotel, or small business or equivalent relevant experience.   
• Strong commitment to our mission – creating economic opportunity for traditionally underserved communities. 
• Preference for working in organizations that place priority on teamwork and collaboration. 
• Excellent understanding of balance sheet and income statement analysis. 
• Ability to develop and maintain relationships with borrowers and colleagues. 
• Strong written and verbal communications skills. 
• Mastery of spreadsheet programs, including Excel, and strong quantitative skills, 
• Spanish language skills preferred. 
• Sensitivity to issues of low-wealth borrowers and a desire to work in a racially and socially diverse organization are essential.
• Teamwork and an interest in the development of co-workers are important Self-Help values.  

If you are interested in who we are and what we do; have a strong desire to work in an organization that places a high priority on teamwork and collaboration; and are interested in working to help create economic opportunity for all – THIS is the place for you! Click the “apply now” button to apply! 

Compensation:   

Competitive nonprofit compensation, based on experience, plus a generous benefits package.  

Self-Help is committed to providing equal employment opportunities to all persons, regardless of race, religion, religious creed, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression (including transgender status), age, sexual orientation, military and veteran status, class or family status.