Team:  Community Investment Group

Nature and Scope: The Relationship Manager is responsible for underwriting, closing and managing loans to community health centers, charter schools and other not-for-profit community facilities in the eastern half of the United States. This individual will be a leader in the skills of underwriting, credit process, and identifying opportunities for new business in an existing portfolio. The successful candidate will have a particular affinity for work in low-income communities and having a positive effect on community development. NCB Capital Impact�s mission of serving charter schools and community-based health care organizations is unique in the level of patience and assistance borrowers may need in understanding the technicalities and requirements of borrowing. A connection with and passion for the organization�s creativity and flexibility, combined with traditional financial analysis experience, will be needed to carry out the key tasks and responsibilities of this position.Responsibilities IncludeNew Loan Analysis and Structuring (50%):The RM will be responsible for managing transactions from acceptance of a written proposal through loan closing, and will continue to be the primary point of contact for a portfolio of borrower relationships after closing. To do this, RM will have mastered the underwriting process, including spreading financial statements, developing financial projections, and effectively communicating, in both written and verbal format, the assumptions and result of the analysis of financial performance, condition, cash flow and ability to repay per the loan terms. The RM will also be able to identify potential risks and their mitigations, evaluate borrower management, describe the scope of the project and the underlying collateral. RM should be able to lead borrower discussions independently and help develop underwriters� skills in credit and markets. The RM will help manage the approval and loan closing process. 2. Customer Management and Active Development of Portfolio (20%):RM will have a portfolio that will require scheduled reviews; RM will also be responsible for reviewing financials and managing regular contact with borrowers to determine additional borrowing needs and how NCB Capital Impact can meet those needs. Thorough reviews require knowledge of the market segment, awareness of local political and economic environment, discussions with borrower, and regular calls/follow-ups with the borrower throughout the year.3.Customer Interaction and Reporting (20%): RM will have experience and will be effective in discussions with customers, including questions regarding performance and financial covenants, receipt of reporting documentation, and developing new business from existing borrowers. RM will need to be able to document calls, amendments, etc., and make sure that servicers receive appropriate information for covenant tracking. RM will be responsible for managing reporting and other aspects of special lending programs in coordination with Business Development Officers as necessary. Covenant Testing (10%):RM, through self or delegation, will be responsible for evaluating each borrower�s compliance with financial covenants set forth in loan documents on a quarterly and/or annual basis. RM will need to be able to initiate the appropriate action(s) should the borrower not be in compliance.