job posting: Business Advisor / Lenders for Community Develo

Lenders for Community Development
BUSINESS ADVISOR

OVERVIEW
Lenders for Community Development seeks a part-time Business Advisor to
provide business assistance to business owners / self-employed individuals
starting or expanding a business. The Business Advisor will work with
clients that are applying for business loans through LCD’s Small Business
Loan Program and/or saving for their business in LCD’s savings and financial
literacy program (IDA, or Individual Development Account, Program).

Lenders for Community Development (LCD) is a community development financial
institution in San Jose, California which pools funds from 25 member banks,
along with philanthropic investors, to reinvest capital back into low-income
communities through loans to small businesses, loans to developers of
affordable housing and community facilities, and individual development
accounts (IDAs). LCD’s Small Business Loan Program provides loans from
$1,000 to $75,000 for businesses that cannot yet qualify for loans through
traditional banks. Since 1995, LCD has provided over $4.5 million in
financing to more than 130 low-income entrepreneurs and businesses located
in low-income areas. LCD’s IDA Program provides financial literacy training
and the opportunity to save money in matched savings accounts that clients
can invest toward a specific asset goal, including starting or expanding a
small business. LCD launched its IDA Program in September 1999 and is now
one of the largest in the country, having served over 1,000 families. LCD
currently has a staff of eighteen.

JOB DESCRIPTION
The Business Advisor is a part-time position (20-25 hours/week) and will
have responsibility for providing business assistance to LCD clients in both
the Small Business Loan Program and IDA Program.

RESPONSIBILITIES
1. Provide individual business assistance to small business loan applicants
and clients saving for their business through LCD’s IDA Program
- Meet with clients and provide business planning guidance (including
assistance with strategic planning, marketing, historical financial
analysis, cash flow projections, and other management issues)
- Provide to loan officer all business and financial information (including
business assessment and financial projections) necessary for loan approval
- Work with loan officers to provide good customer service during loan
process

2. Provide individual business assistance to business borrowers already in
the portfolio
- Monitor financial performance and general business health of clients
through analysis of tax returns, financial statements, and visits with
clients
- Refer clients to and monitor client progress with a pool of partner
organizations and pro-bono resources for specialized assistance (legal,
technology, credit counseling, entrepreneurship training, etc.)

3. Provide group/class business training to IDA program clients
- Schedule, coordinate and teach regularly scheduled business
seminars/workshops on starting or expanding a business
- Develop new business assistance initiatives (supported by customer
feedback or best-practice research), such as speaker series or networking
events

4. Promote new loan opportunities to borrowers and IDA clients when
appropriate

QUALIFICATIONS
- Demonstrated ability in understanding and analyzing financial information
through a variety of sources (tax returns, profit & loss, balance sheet,
cash flow statement, bank statements)
- Demonstrated ability in working with clients to model income statement and
cash flow projections
- Demonstrated ability in business planning and market analysis
- Excellent interpersonal skills
- Strong written and oral communication skills
- Entrepreneurial spirit and team player
- Strong organizational skills
- Demonstrated commitment to community development
- Ability to work with a diversity of clients (ethnicity, life experience,
income levels)
- Fluency in Spanish preferred
- Previous experience managing small businesses preferred
- Previous experience training adults or teaching a plus

TRAVEL
Local travel to client sites and between offices.

COMPENSATION
Commensurate with experience and part-time agreement. Salary range for the
part-time position (20-25 hours) will be mid $20K to mid $30K.

TO APPLY
Interested candidates should submit resume, cover letter and salary history
to:
LCD Business Advisor Search
Lenders for Community Development
111 W. St. John St., Ste. 710
San Jose, CA 95113

Send an email to jobs@L4CD.com, or a fax to LCD Business Advisor Search at
408-297-4599 with your request.

LCD is an Equal Opportunity/Affirmative Action Employer.




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