Credit Executive II, Climate & Energy
: Job Details :

A Day in the LifeThe Credit Executive II, under the direction of the Sr Credit Manager, will be the lead internal specialist for Lendistry's new climate, clean-energy, infrastructure, and sustainability lending initiative Lendistry Green.Dedicated to supporting the initiation of the new division at Lendistry, the Credit Executive II will work closely with the Sr Credit Manager responsible for Strategic Initiatives and the VP Relationship Manager for Lendistry Green to build and sustain this new division. The Credit Executive II will review credit applications, analyze relevant credit information, and structure requests to obtain final loan approval. Credit Executive II is also responsible for preparing memorandums and credit analysis through the loan approval process with timely and accurate due diligence.The Credit Executive II is also responsible for coaching and mentoring other Credit Underwriters new to climate and clean-energy lending. Some travel may be required. Lendistry: Who We AreWe're proud to be the nation's largest minority-led, tech-savvy lender for small businesses and commercial real estate.As a certified Community Development Financial Institution (CDFI) and Community Development Entity (CDE), our mission is all about creating economic opportunities and fueling growth for small business owners and their communities.Lendistry Capital Partners & Public-Private Partnerships ( LCP & P3 ) division seeks to leverage capital, resources, and strategic relationships from public and private sector stakeholders to drive business growth and expand Lendistry's impact and influence. LCP & P3 team leads Lendistry's public-private partnerships efforts, strategic private investments and asset management, as well as public policy and government affairs. Join us as we pave the way with innovative financing and financial education!What You'll Be Doing •Work as a core part of the Lendistry Green Initiative, which is working to bring Lendistry financial products to the climate, clean-energy, infrastructure, and sustainability space. •Work closely with the Sr Credit Manager responsible for Strategic Initiatives and the VP Relationship Manager for Lendistry Green to set up the credit guidance and processes that are unique to the newly established climate and clean-energy line of business. •Maintain a good understanding of the portfolio of borrower types, referral relationships and frequently used lending products being generated by the Sales team to anticipate updates and enhancements to the existing Lendistry credit process necessary to support this new borrower type. •Review initial loan application packages from Sales to determine eligibility and additional required documentation.•Structure loan package to fit within minimum requirements of products available.•Have knowledge of Business and Personal Tax Returns, Interim Financials, Bank Statements, etc.•Decision loan files (decline, suspend, or submit for approval).•Run all background checks for businesses and merchants.•Review 3rd party reports (Credit report, Business Experian, CAIVRS, etc.).•Set up calls and discuss files with clients (initial interviews).•Review completed files for underwriting. Ensure all required information is received prior to underwriting.•Underwrite the transaction and prepare packages for third-party approval.•Internally develop credit and underwriting guidance.•Lead the referral network of incoming borrowers within the Lendistry Green Initiative.•Develop and roll out training programs for colleagues (or new team members) as lending volume increases.•Perform other duties as assigned to support the efficient and effective operation of the department and help make Lendistry the best place to work!Your Areas of Knowledge and Expertise •Minimum 8+ years of relevant experience and in-depth understanding of Commercial C&I and real estate financing, and closing, procedures. •Experience with the climate and clean energy or relevant industry. •Minimum bachelor's degree. Finance, accounting, or Business Administration focus is preferred.•Ability to manage and underwrite complex transactions with limited guidance.•Strong knowledge of financial services.•Outstanding communication and relationship management skills.•Excellent verbal and written communication skills.•Advanced computer proficiency. •Ability to travel, work flexible schedules, and cover various locations, if requested. •Bilingual English Spanish preferred. •Attain customer satisfaction. •Ability to structure and analyze complex commercial credit transactions.•Excellent verbal and written communication skills.•Sophisticated word processing and computer database skills, especially in Microsoft Word and Excel.•Thorough knowledge of accounting principles, financial statement analysis, and banking operations and regulations.•Good interpersonal skills with the ability to work effectively with individuals and groups at all organizational levels, ability to work independently and as part of a team.•Strong analytical ability with active listening skills.•Willingness to adapt to changing business needs and deadlines, including extended work hours.•Exhibit a professional, business-like appearance and demeanor. Why You'll Love Working Here:•Comprehensive Medical, Dental, and Vision Insurance•Generous Paid Time Off•Birthday Day Off•Paid Company Holidays•401(k) Match•FSA and HSA•Paid Life Insurance •Paid Disability Insurance•Pet Insurance•Employee Assistance Program (EAP)•Professional Development Courses•In Office Provided Snacks and Drinks•Gym Facilities (LA & Tustin/CEC Offices)•In Office Engagement Activities COMPENSATION RANGE The US base salary range for this full-time position is $110,000-$151,800 annually.Our salary ranges are determined by role, level, and location.The range displayed on each job posting reflects the minimum and maximum base salary for new hires for the position across all US locations.Within the range, individual pay is determined by multiple factors like job-related skills, experience, and state of residence.Your recruiter can share more about the specific salary range during the interview process. Please note that the compensation details listed in US role postings reflect the base salary only, and do not include any variable compensation elements.PHYSICAL REQUIREMENTSThis is a stationary position that requires frequent sitting (approximately 95%), repetitive wrist motions, grasping, speaking, listening, close vision, and the ability to adjust focus.It also may require occasional standing, lifting, carrying of 20lbs or less, walking, kneeling, bending/stooping, twisting, pulling/pushing, and reaching above the shoulder.Employees in this position must be physically able to efficiently perform the essential functions of the position.Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)