Client Intake Specialist, Part Time - (Asheville, North Carolina)

Who we are: Carolina Small Business Development Fund (CSBDF) is a nonprofit and certified community development financial institution (CDFI). We are passionate and committed to providing support to small businesses across the state. Our Mission is to foster economic development in underserved communities by providing capital, business services, and policy research to support small businesses. CSBDF provides assistance to small businesses in four major ways: as a partner, as a trusted guide, as an advocate for small businesses, and as an accessible funding source. Our work supports our vision to create economic opportunity for all people.

Nature of Work: The Client Intake Specialist at the Western Women’s Business Center is a part-time position. This position provides initial contact with the public, conducts data entry, manages client files, and maintains an organized and efficient office environment. In addition, this position works closely with the WWBC Director and WWBC Program Manager to provide support, development and assistance with grant compliance and intake/assessment of incoming clientele.

Supervision Responsibilities: This position does not have any supervisory responsibilities.

Essential Job Functions: The following duties are NOT intended to serve as a comprehensive list of all duties performed by all employees in this classification. Shown are duties intended to provide a representative summary of the major duties and responsibilities. Incumbent(s) may not be required to perform all duties listed and may be required to perform additional, position-specific duties. The job description does not constitute an employment agreement between the employer and employee and is subject to change by the employer as the needs of the employer and requirements of the job change.

Essential Job Functions:

• Conduct clients’ needs assessments to set 1:1 coaching session between clients and coaches and collect proper documentation.
• Assist with the planning, execution, and promotion of all WWBC signature events and monthly workshops.
• Proficient knowledge of all WWBC loan programs and services to direct clients to proper areas: WWBC, Lending, Technical Assistance, training or other.
• Enter information from all clients’ needs assessments and follow-up forms into Salesforce software.
• Act as back up to provide impact and demographic data for grant compliance reports and for CSBDF’s Policy and Research department on a regular basis and upon special request.
• Create and properly document all WWBC purchase orders and invoices and send them to WWBC Director on daily basis.
• Greet visitors, answer phones, and provide general information to the public.
• Manage office mail, office supply inventory, and office equipment and ensure the main office space remains clean, organized and sufficiently stocked with office supplies. 
• Manage social media presence by developing, scheduling, and posting relevant content ensuring alignment with organizational messaging, branding, and goals.
• Attend networking and outreach meetings in the community.
• The Client Intake Specialist is expected to work a 24-hour week, as described in the Personnel Policies, and to observe the WWBC’s office hours of 9:00 a.m. to 5:00 p.m. Occasional evening or weekend hours may be requested.
• As directed, attend conferences, seminars, conference calls, training sessions on behalf of Carolina Small Business Development Fund and the Western Women’s Business Center.
• Other duties as assigned by WWBC Director

Minimum Requirements:

• High school diploma or equivalent required, Bachelor's degree preferred.
• Prefer prior experience in small business lending or delivering technical business management assistance.
• Strong written and oral communication skills.
• Strong organization skills and project management experience
• Exceptional public speaking and relationship building skills.
• High attention to detail
• Understanding and strong interest in poverty alleviation strategies, especially those focused on the role of women in economic development and small business development.
• Ability to work with a diversity of clients, in terms of ethnicity, life experience, income levels.
• Spanish language skills are preferred.
• Ability to adjust work schedule to include evenings and weekends as needed to accommodate training program schedule. 
• Strong computer skills for data entry, record keeping, report writing and analysis.
• Maintains and supports a shared collaborative team culture in person and virtually.

Physical Demands

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 frequently required to stand, sit, talk and hear. 
• The employee is occasionally required to move about the office; use hands and fingers to feel, handle, or operate computers and office equipment.
• Specific vision abilities required by this job include close vision and the ability to adjust focus.
• The employee is required to interact with the general public, small business owners and others.

Work Environment

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 work performed primarily in an office or client business setting. The noise level in the work environment is moderate. 
• Travel in a wide geographic area is required approximately 20% of the time. Employee must hold a driver's license and be able to travel outside of the office for meetings, conferences, and other job- related commitments.
• From time to time employee will be expected to hold training events, attend community events, attend out-of-town conferences and represent the organization in addition to the normal business schedule.

The duties listed above are intended only as illustrations of the various types of work that may be performed. The omission of specific statements of duties does not exclude them from the position if the work is similar, related or a logical assignment to the position.

The job description does not constitute an employment agreement between the employer and employee and is subject to change by the employer as the needs of the employer and requirements of the job change.

Carolina Small Business Development Fund (CSBDF) is an equal opportunity employer, including disabled persons and veterans.

Loan Closer, Full Time - Hybrid (Raleigh, North Carolina)

FLSA Status - Exempt

Who we are: Carolina Small Business Development Fund (CSBDF) is a nonprofit and certified community development financial institution (CDFI). We are passionate and committed to providing support to small businesses across the state. Our Mission is to foster economic development in underserved communities by providing capital, business services, and policy research to support small businesses. CSBDF provides assistance to small businesses in four major ways: as a partner, as a trusted guide, as an advocate for small businesses, and as an accessible funding source. Our work supports our vision to create economic opportunity for all people.

Nature of Work: The Loan Closer will assemble, prepare, and verify closing documents related to all business loans, and coordinates all aspects of the closing process to ensure all terms and conditions of the loan approval are met. The Loan Closer will also collaborate closely with internal clients including the Business Solutions, Credit, and Portfolio Management teams along with external clients including attorneys, title agents, appraisers, third party vendors, grant and loan program partners including the U.S. Small Business Administration, the USDA and other public sector partners.

Supervision Received/Exercised: Works under the general supervision of the Loan Operations Director and has no direct supervisory responsibilities. This role will be responsible for ensuring the Closing Team is acting in accordance with closing policies and procedures, providing training and professional mentorship across teams, identifying operational deficiencies, and working in concert with leadership to develop and implement process enhancements to ensure efficacy. 

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Essential Job Functions: The following duties ARE NOT intended to serve as a comprehensive list of all duties performed by all employees in this classification.  Shown are duties intended to provide a representative summary of the major duties and responsibilities. Incumbent(s) may not be required to perform all duties listed and may be required to perform additional, position-specific duties.

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Credit Functional Area (How We Support The Credit Team):

• Oversee the loan closing process: manage and monitor all loans during the closing phase.
• Update the loan status through each phase of the closing process.
• Operate in a legal and ethical manner congruent and in compliance with CSBDF policies and procedures, third-party policies and procedures, and industry regulations.
• Enter client loan data information into the Core Loan Processing System (Salesforce) and review the loan data metrics inputs for accuracy.
• Review all loan approvals, confirming terms of the loan conditions align with CSBDF and Loan Program Standard Operating Procedures.
• Collect and review loan closing documentation such as collateral lien filings, client financial statements, appraisals, title commitments, and client identity to verify and uphold sound lending practices that align with CSBDF and Loan Program Standard Operating Procedures.
• Design, develop, and implement Internal and Borrower Closing Checklists and manage the receipt of required checklist items from internal clients and borrowers.
• Construct and complete the internal Closing file with documents required by CSBDF and Loan Program Standard Operating Procedures.
• Prepare legal loan documents in accordance with CSBDF and Loan Program requirements and review the legal loan documents and manage execution.
• File certain collateral lien instruments.
• Submit loan information to Loan Program partners such as SBA E-Tran if applicable.
• Manage disbursements of loan proceeds.
• Update loan data into Core Servicing Software (Salesforce) upon funding and prepare the internal Servicing File.
• Support the Credit Department in processing existing loan modifications, renewals, deferments, and any other such loan action that requires a change to the original legal loan documents of existing loans.
• Mentor Closing Team.
• Perform other duties as assigned.

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Business Solutions Team Functional Area (How We Support The Business Solutions Team)

• Oversee the loan closing process.
• Coordinate with the Business Solutions Team to confirm data integrity within our Customer Relation Management or Core Loan Processing System (Salesforce).
• Verify that all team members have identified and correctly disclosed loan information in the Core Loan Processing System (Salesforce).

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Qualifications:

Experience:

• 4-year degree in business administration or a combination of secondary education and experience.
• Minimum of 5 years in two or more areas: loan closing, loan administration, loan documentation or loan review.
• Any combination of experience and training that can be considered equivalent to the education preference.

Knowledge:

• Knowledge of U.S. Small Business Administration 7a Community Advantage loan requirements.
• Thorough understanding of Commercial Loan documentation.
• Thorough understanding of business entity documentation.
• Knowledge and understanding of rules and regulations governing lending activities, including SBA.
• Familiar with Salesforce and TEA software applications preferred.

Skills and Abilities:

• Proficient with Finastra Fusion Laser Pro loan document preparation software.
• Maintain confidentially processing sensitive client information using discretion and tact.
• Support a quality credit culture and operate on a team-based lateral organization structure.
• Maintains and supports a shared collaborative team culture in person and virtually.
• Ability to meet reasonable deadlines and prioritization of workflow within a changing fast paced work environment.

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Physical Demands:

Work is principally sedentary but may involve some physical exertion during the course of normal work activities, and travel to meetings, conferences or workshops in other cities. As an exempt employee, extended hours may be required on a frequent basis.

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.

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Work Environment:

Work involves the normal risks or discomfort associated with a standard office environment and is usually in an area that is adequately heated, lighted and ventilated.

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Compensation:

We offer a competitive salary that depends on prior experience. Our benefits package includes Medical, Dental, Vision, Short Term Disability, Long Term Disability, 401k Account with employer match, plus generous vacation and sick time.

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The job description does not constitute an employment agreement between the employer and employee and is subject to change by the employer as the needs of the employer and requirements of the job change.

Carolina Small Business Development Fund (CSBDF) is an equal opportunity employer, including disabled persons and veterans.