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Junior Credit Risk Officer and Financial Review Analyst

Company: Florida First Capital Finance Corporation
Location: Tallahassee
Posted on: January 15, 2022

Job Description:

Industry: Non-profit organization specializing in SBA 504 loans

Compensation: $40000 - $60000 + full benefit package

Location: Tallahassee, FL

Florida First Capital Finance Corporation (FFCFC) is a self-sufficient non-profit organization with offices in Tallahassee, FL; Jacksonville, FL; and Melbourne, FL. We are seeking a motivated Junior Credit Risk Officer and Financial Review Analyst to join our Tallahassee team. This person would be responsible for the financial analysis and risk assessment of loan files in our SBA 504 loan portfolio. We will provide a competitive annual salary for this position in the range of $40000 - $60000 / year, and it comes with a full benefits package (see below for details). We are specifically looking for someone who:
Really enjoys doing credit analysis and financial review/interpretation
Is extremely detail-oriented
Works well in a team environment and truly enjoys being a part of a collaborative team
Is able to work independently without constant daily oversight
Has high integrity and discretion
Is smart and trainable
Has a strong work ethic
Is proactive and has a sense of urgency
Is very responsive to customer and team member requests
Is looking for more than just a "job" and wants a stable career with a growing company
Wants to work for a company that has a higher purpose than simply making a profit
Currently lives in Tallahassee, FL and plans to stay long-term

If these qualities describe you, please read on!

A little bit about FFCFC: When applying for a new job, we feel that it's important for you to know about the workplace culture. You can read about Our Story on our website. At FFCFC, our mission is to drive economic development and job creation by helping small business access capital through the SBA 504 loan program. We are especially proud of our goal with increasing lending assistance to minority, rural, and women-owned small businesses. FFCFC is a stable and growing non-profit organization, and we have a lot of pride in our achievements and in our mission. Our workplace is a smaller office environment, so you get to know everyone in the office (i.e. you won't just be a "number").

Essential Functions for This Role:
Assist the Director of Loan Administration (DLA) in servicing the SBA 504 loan portfolio
Input financial information received from borrowers into a database
Perform financial loan analysis and interpret data to make risk assessments of SBA 504 loans
Accurately set up loans upon receipt from the Processing Department
Monitor your assigned pipeline of files to ensure each borrower continues to meet the terms of loan authorization on an annual basis
Ensure that information remains current in loan files and in the databases
Work directly with borrowers, lending partners, and the SBA to facilitate servicing actions
Work cohesively with the SBA, lenders, closing counsel, and FFCFC staff as necessary to achieve success in all areas of your job duties
Perform other tasks as assigned by the DLA
Analyze the risk rating of other commercial "non-504" loan portfolios
Accurately organize documents, keeping in mind federal requirements, internal policies, naming conventions, etc.
Consistently communicate and follow up with colleagues, partners, and clients


This job might be for you if you:
Have at least one (1) year of professional experience as an underwriter at a bank, an assistant underwriter, a loan officer, an assistant to a loan officer, a loan processor, or any type of lending position that involved the input of financial data from tax returns or interim financials.
Have a minimum of two (2) years of college education (required)
Are very computer-savvy and have a high proficiency with Microsoft Excel (required)
Can adapt easily in a fluid environment
Are excellent at inputting data and analyzing financials
Have professional communication skills (phone, email, and messaging)
Available to work full-time Monday - Friday, 8am - 5pm, in our Tallahassee, FL office
Already live in the Tallahassee, FL area
Are OK with working in an office setting the majority of the work week (note that occasional work-from-home days could be an option after your training is completed)
Can pass a rigorous criminal background check


Here at FFCFC, we understand that highly satisfied employees are key to a thriving business. This is why we offer:
A competitive annual salary of $40000 - $60000, dependent on the amount of relevant work experience
A workplace culture that supports collaboration, teamwork, training, and professional growth
A tight team environment where you get to know all of your colleagues (i.e. you're not just a number)
Health insurance through Capital Health Plan (Tallahassee) or Florida Blue (100% employer paid for the employee, partially paid for family plans)
Dental insurance that is 100% employer-paid
Optional vision insurance
Life and long-term disability insurance (100% employer paid)
Voluntary flexible spending account (FSA)
Simple IRA contributions by employer
12 vacation days and 10 sick days accrued each year
Seven (7) paid holidays each year
Flexible, full-time work hours (occasional remote work can be discussed)

If you think you'd be a good fit, we'd love to see you apply!

When applying, please upload your resume and a cover letter that includes contact information (email addresses or phone numbers) for three professional references. Note that all communication will be done via email, so be sure to check your inbox and spam folder regularly. You do not need to contact our office about the status of your application; if we are interested in having you proceed through our applicant vetting process, we will contact you by email.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We are ADA compliant and an E-verify employer.

Keywords: Florida First Capital Finance Corporation, Tallahassee , Junior Credit Risk Officer and Financial Review Analyst, Accounting, Auditing , Tallahassee, Florida

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