Responsible for development, implementation, and management of training & technical assistance, and/or development services to existing and prospective borrowers of Fresno CDFI in order to minimize risks to its portfolio. This involves pre- and post-loan training and technical assistance to entrepreneurs in one-on-one or group settings, as appropriate. Pre-loan training and technical assistance involves an in-depth understanding of the entrepreneur’s business plan, concepts and/or ideas, and the four major components (Marketing Plan, Operational Plan, Management Plan and Financial Plan) that will be used to determine business success. Post-Loan training and technical assistance involves working with existing borrowers to determine deficiencies and/or inefficiencies within their operations and identifying resources to improve those aspects of the operations; evaluating borrowers marketing strategies and offering solutions to improve effectiveness as well as identifying potential new markets and/or niches; frequent analysis of borrower performance as it relates to repayments and compliance with loan covenants; and designing and implementing strategies to keep borrowers current on payments, compliant with loan covenants; or preventive measures to reduce delinquency, default and/or write-off rates.
A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature.
Assist in the fulfillment of the agency’s vision, “For Those We Serve,” by empowering individuals to thrive as healthy, self-sufficient and contributing members of our communities.
DUTIES AND RESPONSIBILITIES/ESSENTIAL FUNCTIONS
Investigates, evaluates and analyzes financial statements, tax returns and all other available sources of credit and financial information including but not limited to accounts receivable and accounts payable aging reports, equipment schedules, bank and brokerage account statements, trade and personal credit reports, industry reports, equipment and real estate appraisals.
Participates in portfolio and aging reviews and advise management on proper course(s) of action, as appropriate.
Coordinates, markets/promotes, and facilitates periodic pre- and post-loan Training and Technical Assistance Workshops in communities throughout Fresno CDFI’s service area, with emphasis on post-loan TA accounting for 85% of work schedule.
Provides program orientation meetings with existing and prospective borrowers, conduct in-depth needs assessments, and develop individualized technical assistance plans for meeting those needs.
Maintains relationships of existing customers, by visiting current and prospective clients, provide intake, client screening and recruitment, provision of training and technical assistance, referrals, and follow-up support comprising of one-on-one business consulting in a range of topics including business operations, management, marketing, technology, and financial management.
Develops and coordinates workshops (both in-person and online) to provide learning opportunities to existing and prospective borrowers.
Develops and oversees data tracking and project evaluation tools to monitor project outputs and outcomes.
Provide business follow-up services, including monthly check-in calls/visits, to monitor the business’ progress toward achieving stated goals.
Responsible for recruitment and management of other training and technical assistance partners and/or volunteers.
Maintains a current understanding of stated procedures and policies, including regulatory compliance guidelines.
Evaluates collateral for value, depreciation, and cost-to-cure.
Updates the Loan management information system (MIS) with activities including time spent, analysis of borrower’s existing needs and issues and next steps.
Maintains a tickler system for timely follow-up with borrowers.
Travels for agency business using personal/agency vehicle.
Maintains regular attendance and punctuality.
Works evenings and weekends as required.
Performs other duties as assigned.