lending consultant

Entrepreneur Fund

Job Title: Lending AdvisorReports to: Chief Lending OfficerStatus: Full time, ExemptLocation: Northern MinnesotaMarket Territory Ownership:This position will report to the Duluth office, providing coverage in Itasca, Koochiching, Cass and Aitkin Counties, and portions of western St. Louis County.Position OverviewThe Lending Advisor provides trusted guidance to small business owners and disciplined capital deployed to achieve their goals. They do this with the primary functions of:<ul><li>Improving the client&rsquo;s business performance and accomplishment of their long-term goals through trusted relationships and business guidance</li><li>Working with business owners to effectively capitalize their business through the use of EFund financing and other sources of funding, as appropriate</li></ul>The role of the Lending Advisor is to learn the business owner&rsquo;s aspirations, assess the business owners capabilities, assess the business, and create a value-add partnership to sustain strong business performance and meet business goals. The lending advisor does this via a relationship defined in delivering trusted guidance and capital. This individual is ready to quickly establish a strong working relationship, act as a trusted guide, and co-developing capital options with the client and other financing partners while building a long-term relationship towards supporting the business owner&rsquo;s goals and strong business performance.Lending Advisors also represent EFund in their respective markets, providing intentional and sustained business development activities to create value-added networks for EFund and its clients, and to source new client relationships and lending opportunities. This role must deliver on being a valued partner in the financial ecosystem, which requires strong relationships and a deeper understanding of key stakeholders, including, but not limited to, regional economic development lenders, banks, credit unions, and other statewide financing partners.The Lending Advisor is engaged, professional, and highly visible in the communities EFund serves, participating in local business community events and representing EFund as a speaker/presenter at regional meetings and conferences.The Lending Advisor is an active participant with other EFund staff in learning and improving over time, in accordance with our Core Values. Mastery of the role &ndash; and success in hitting impact and lending goals &ndash; requires sustained commitment to learning, growth, and knowledge-sharing with a dynamic team. The right candidate will bring significant experience, but also be a humble, active learner who sees their work as an ongoing craft.Organization OverviewThe Entrepreneur Fund (EFund) is a mission-driven economic development organization and Community Development Financial Institution (CDFI) headquartered in Duluth, covering a 29-county service area and 12 sovereign tribal nations in central and northeastern Minnesota, and northern Wisconsin. Our mission is to actively partner with entrepreneurs to create growing businesses, thriving communities, and a diversified, resilient regional economy. As a non-profit lender, we help entrepreneurs create growing businesses, thriving communities, and vibrant regional economies. We do this through personalized lending coupled with business advising services for clients across an array of industry sectors and business stages.EFund provides business financing ranging from microloans as low as $15,000 to complex structures of more than $1,000,000, supported by a variety of business advising services and programming, serving an average of 1,300 clients annually. EFund has provided more than $174 million in small business financing since its inception, with a goal of $19 million in deployed capital in 2026.Efund seeks to become the region&rsquo;s leading impact investor by growing a loan portfolio comprised of a diverse mix of customer segments that include start-ups, main-street businesses, growth-track companies, and businesses in ownership transition. Efund&rsquo;s primary role is to ensure access to financing and trusted guidance for our region&rsquo;s small businesses.Measures of Success:Successful outcomes of this role relates to Efund financial &amp; impact performance. Goals for this role are set annually and include:Individual portfolio performance of active clients with outcomes related to:<ul><li>Impact - Cover a variety of business stages &amp; impacts core to Efund&rsquo;s mission, goals, and strategies</li><li>Business Performance - Achieving their goals</li><li>Portfolio Quality - Risk Rating improves</li></ul>Loan OriginationsEfund financial performance:<ul><li>Loan Originations: Fee &amp; Interest Income</li><li>Portfolio Health: &lt;1% charge-offs, &lt;5% delinquencies over 30 days</li></ul>Operational grant metrics:<ul><li>Client Hours, others as assigned</li><li>Deployment of types of loans (Healthy Foods, etc)</li></ul>Strategic Grant Metrics: As assigned<ul><li>Network strength, activity, and satisfaction that drives business development &amp; delivers value-add to clients and stakeholders</li><li>Repeat Borrowers</li></ul>Position Essential DutiesConsultative Lending and Loan Origination (50%)<ul><li>Practice consultative lending by working one-on-one with clients on confidential and complex financial structures and business opportunities</li><li>Verify, validate and offer lending-related feedback on:</li><li>Business plans, business models, and market positioning</li><li>Business cash flow projections and corresponding assumptions</li><li>Personal financial information for business applicants</li><li>Applicant business information compared to industry standards</li><li>Consistently achieve individual loan origination goals, driving EFund financial outcomes and deploying capital to support new business starts, stabilizations, expansions, and ownership transitions/succession</li><li>Structure loans and develop sources/uses recommendations that may include banks or credit unions, economic development and community gap lenders, and state and federal grant and loan programs</li></ul>Independently manage loan process by consistently moving projects through EFund pipeline stages and managing customer expectations:<ul><li>Lead &ndash; Identify and evaluate potential clients and projects</li><li>Pre-screen &ndash; Review and vet clients based on their needs, EFund value proposition, program eligibility, and initial loan structuring</li><li>Application &ndash; Support clients through document collection for effective applications</li><li>Underwriting &ndash; Work with credit analysts to complete underwriting</li><li>Voting &ndash; Present loan packages to loan committee</li><li>Closing &ndash; Support clients through loan closing process</li><li>Lead clients to identify 1-2 milestones and KPIs that are determinants to success in achieving the client&rsquo;s long-term plans for growth</li><li>Timely completion of administrative functions, including documenting work time (billable hours), client success measures, and impact stories</li><li>Develop a strong working fluency with software platforms used to process loans and track client work, including Salesforce, Spark, and TEA/CommonGoals</li></ul>Through ongoing professional training, develop personal expertise in:<ul><li>EFund loan programs and the funder obligations associated with each program</li><li>Entrepreneur Fund loan policies and procedures</li><li>Entrepreneur Fund Business Services offerings and tools</li><li>All forms of Commercial lending best practices</li><li>Business consulting and economic development best practices</li><li>Quality jobs initiatives</li><li>Provide advising and guidance to EFund clients who make loan requests, but who may not be ready for financing, and know when to refer clients to other service providers like the Small Business Development Centers (SBDCs)</li></ul>Trusted Guidance for Client Success (25%)<ul><li>Manage a diverse portfolio of existing EFund clients balanced across start-ups, main-street businesses, growth-track companies, and ownership succession, and provide guidance in business performance, support, and achievement of their goals</li><li>Conduct periodic check-ins to assess business health, performance against established milestones and KPIs, and completion of targeted impacts</li><li>Provide guidance, consultation and referrals on general business topics: strategy, operations, financial management, marketing, HR, and more</li><li>Provide on-going opportunities to meet new capital needs</li><li>Leverage EFund&rsquo;s expert network or other key networks to meet the client&rsquo;s needs and advance their goals</li></ul>Business Development (25%)Develop a strong network of referral partners in a designated portion of the EFund service area, including:<ul><li>Banks and credit unions</li><li>Local, state and federal agencies</li><li>Economic development organizations</li><li>Trade associations and business networking groups</li><li>Chambers of commerce</li><li>Small Business Development Centers (SBDCs)</li><li>Develop target lists of prospective clients for business lending in specific industries and targeted geographic areas</li><li>Actively participate in EFund webinars, business training programs, Distinction Awards, and other events, promoting events to clients and driving attendance to achieve intended outcomes</li><li>Represent EFund as a speaker/presenter at partner organizations&rsquo; regional meetings, conferences, and events</li><li>Help organize, promote and participate in regional &ldquo;Non-Traditional Lender Forums,&rdquo; or similar gap lender presentations hosted by EFund and its referral partners</li><li>Actively support EFund marketing campaigns and promote brand messaging through direct outreach and social media activities</li><li>Demonstrate fluency in telling the EFund story and speaking to our unique value-proposition</li></ul>The Ideal CandidateThe right person will bring demonstrated proficiency and sustained interest in working with businesses at a variety of stages &ndash; start-up, established, growth, and exit - for long-term success and business financing. The ability to connect with entrepreneurial business owners and quickly assess the individuals, their needs, and their business, is essential to success in the role. Ideal candidates possess a mastery of small business financing options and an ability to provide effective strategic guidance, while structuring financing pathways EFund can deliver on.EFund clients often have gaps in meeting their capital needs for a wide variety of reasons, ranging from seasoned entrepreneurs and high-growth companies with strong management teams that need equity capital, to a first-time entrepreneurs looking to capitalize on new opportunities. The right candidate will be able to assess and understand a business, influence them towards their goals, and pair a variety of sources of capital to meet their needs.The ideal candidate is motivated to act as a long-term trusted guide, and is committed to maintaining long-term relationships with a growing portfolio of clients. Through a balanced, objective approach to assessing the business and the owner, Lending Advisors utilize a consultative approach to creating a win-win-win for our clients, for EFund, and for our external partners.Lending Advisors actively manage an individual portfolio of existing EFund clients, providing consulting and advising services across all stages of the business lifecycle in support of driving new business starts, stabilizations, expansions, and ownership transitions/succession.The Lending Advisor is an active participant with other EFund staff in learning and improving over time, in accordance with our Core Values. Mastery of the role &ndash; and success in hitting impact and lending goals &ndash; requires sustained commitment to learning, growth, and knowledge-sharing with a dynamic team. The right candidate will bring significant experience, but also be a humble, active learner who sees their work as an ongoing craft.Qualifications<ul><li>Bachelor&rsquo;s degree with concentration in business, finance, accounting, or related field</li><li>5+ years of relevant experience in commercial lending, business ownership, economic development, or business advisory experience preferred. Minimum of 3 years required</li><li>Outstanding oral and written communication skills</li><li>Strong acumen for interpersonal relationship-building</li><li>MS Office Excel/Word/Outlook/Power Point</li><li>Excellent time management with great attention to detail</li><li>Comfortable and confident in networking and business presentation settings</li><li>Experience working with Salesforce or a similar CRM platform is a plus</li><li>Unwavering commitment to EFund Core Values</li></ul>Knowledge, Skills, and AbilitiesProficiency in assessing businesses and business owners<ul><li>Demonstrates an enduring belief that assessing a business owner and the business is a critical element to a collaborative relationship and being a successful lending advisor</li><li>Assessing and understanding business needs and business models at various stages: start-up, maturity, growth, and ownership transitions</li><li>Demonstrates an investor mindset; maintains an objective view of the business and the business owner digs deep to conduct their own due diligence, and sees their work as a value-add for both the business owner and EFund</li><li>Probes, tests, verifies, and validates key assumptions through effective means, before providing a clear and objective analysis</li><li>Tests for key attributes include: self-awareness, win-win-win thinking, skin in the game, and coachability</li></ul>Proficiency in guiding small business owners<ul><li>Demonstrates an enduring belief and understanding that small business and entrepreneurship requires a unique mix of technical, managerial, and leadership skills that evolve with the stage of business</li><li>Demonstrates key competencies in consulting, advising, and mentorship relationships</li><li>Strong emotional intelligence and ability to uncover a person&rsquo;s underlying motivations, concerns, and aspirations</li><li>Ability to effectively guide small business owners, create trusting long-term relationships, and match interventions for capital and guidance</li><li>Leads with a curious, probing approach while matching the client&rsquo;s commitment</li><li>Acts effectively &ndash; in service to all, and with skill &ndash; when clarity is achieved to move the business forward</li><li>Gains trust, respect, and credibility from a variety of business owners across all stages</li></ul>Proficiency in business development and consultative lending<ul><li>Ability to build long-term, trusting, and value-added relationships with a variety of stakeholders</li><li>Able to demonstrate value through effective deal structuring that is a win-win-win for clients, EFund, and our external stakeholders</li><li>Customer-service oriented to setting, managing, and exceeding expectations</li><li>Professional demeanor and unwavering integrity</li></ul>Proficiency in commercial lending and/or investing<ul><li>Understand and interpret business operations, business models, and legal structures</li><li>Strong practices and judgement in due diligence; 5 C&rsquo;s, or other lending frameworks for credit analysis</li><li>Analysis of business loan requests</li><li>Analysis of profit and loss statements, balance sheets and cash flow statements</li><li>Loan structuring and drafting sources/uses</li><li>Management of client expectations and experience in the process</li><li>Strong understanding of the various lending and investing mechanisms available, how to access them, and how to assess appropriate fits for clients</li><li>Ability to understand the needs and requirements for securing capital</li></ul>Entrepreneur Fund Core ValuesGet things done<ul><li>Be organized &amp; efficient</li><li>Work hard - persist &amp; maintain your focus</li><li>Stay focused</li><li>Ask for help before the end</li></ul>Mutually commit<ul><li>Commit to the committed &ndash; customers, staff, communities, and partners</li><li>Commitment is demonstrated, not perceived</li><li>Give everyone a chance to show it</li><li>Believe what they show you</li><li>Do your part</li><li>Expect lasting results from relationships</li><li>Have the hard conversations</li></ul>Effective teamwork<ul><li>Take great satisfaction in meeting team goals</li><li>Strive for team excellence &ndash; suggest improvements, learn from failures</li><li>Organizational strength is fortified through each member&rsquo;s performance</li><li>Keep your communication open, genuine, and honest</li><li>No blame or disrespect</li><li>Celebrate our wins and give specific praise</li></ul>Commit to the Greater Good<ul><li>Impact is our motivator: entrepreneurs &amp; community</li><li>Do what is better for the whole</li><li>Shine a light on real progress</li><li>Be of service to change-makers &amp; doers</li><li>Walk away from the toxic</li></ul>Growth Mindset: Individually and Organizationally<ul><li>Build and sustain practices of learning and knowledge building</li><li>Challenge yourself &amp; others to reflect, share and identify the learn</li><li>Implement &amp; encourage practices of continuous improvement</li></ul>Pay: $79,000.00 - $105,000.00 per yearWork Location: Hybrid remote in Grand Rapids, MN 55744

Lending Advisor

Job Title: Lending AdvisorReports to: Chief Lending OfficerStatus: Full time, ExemptLocation: Central MinnesotaMarket Territory Ownership:This position will report to the Duluth office, providing coverage in Benton, Crow Wing, Kanabec, Mille Lacs, Pine, Morrison, Stearns, and Todd Counties.Position OverviewThe Lending Advisor provides trusted guidance to small business owners and disciplined capital deployed to achieve their goals. They do this with the primary functions of:<ul><li>Improving the client&rsquo;s business performance and accomplishment of their long-term goals through trusted relationships and business guidance</li><li>Working with business owners to effectively capitalize their business through the use of EFund financing and other sources of funding, as appropriate</li></ul>The role of the Lending Advisor is to learn the business owner&rsquo;s aspirations, assess the business owners capabilities, assess the business, and create a value-add partnership to sustain strong business performance and meet business goals. The lending advisor does this via a relationship defined in delivering trusted guidance and capital. This individual is ready to quickly establish a strong working relationship, act as a trusted guide, and co-developing capital options with the client and other financing partners while building a long-term relationship towards supporting the business owner&rsquo;s goals and strong business performance.Lending Advisors also represent EFund in their respective markets, providing intentional and sustained business development activities to create value-added networks for EFund and its clients, and to source new client relationships and lending opportunities. This role must deliver on being a valued partner in the financial ecosystem, which requires strong relationships and a deeper understanding of key stakeholders, including, but not limited to, regional economic development lenders, banks, credit unions, and other statewide financing partners.The Lending Advisor is engaged, professional, and highly visible in the communities EFund serves, participating in local business community events and representing EFund as a speaker/presenter at regional meetings and conferences.The Lending Advisor is an active participant with other EFund staff in learning and improving over time, in accordance with our Core Values. Mastery of the role &ndash; and success in hitting impact and lending goals &ndash; requires sustained commitment to learning, growth, and knowledge-sharing with a dynamic team. The right candidate will bring significant experience, but also be a humble, active learner who sees their work as an ongoing craft.Organization OverviewThe Entrepreneur Fund (EFund) is a mission-driven economic development organization and Community Development Financial Institution (CDFI) headquartered in Duluth, covering a 29-county service area and 12 sovereign tribal nations in central and northeastern Minnesota, and northern Wisconsin. Our mission is to actively partner with entrepreneurs to create growing businesses, thriving communities, and a diversified, resilient regional economy. As a non-profit lender, we help entrepreneurs create growing businesses, thriving communities, and vibrant regional economies. We do this through personalized lending coupled with business advising services for clients across an array of industry sectors and business stages.EFund provides business financing ranging from microloans as low as $15,000 to complex structures of more than $1,000,000, supported by a variety of business advising services and programming, serving an average of 1,300 clients annually. EFund has provided more than $174 million in small business financing since its inception, with a goal of $19 million in deployed capital in 2026.Efund seeks to become the region&rsquo;s leading impact investor by growing a loan portfolio comprised of a diverse mix of customer segments that include start-ups, main-street businesses, growth-track companies, and businesses in ownership transition. Efund&rsquo;s primary role is to ensure access to financing and trusted guidance for our region&rsquo;s small businesses.Measures of Success:Successful outcomes of this role relates to Efund financial &amp; impact performance. Goals for this role are set annually and include:Individual portfolio performance of active clients with outcomes related to:<ul><li>Impact - Cover a variety of business stages &amp; impacts core to Efund&rsquo;s mission, goals, and strategies</li><li>Business Performance - Achieving their goals</li><li>Portfolio Quality - Risk Rating improves</li></ul>Loan OriginationsEfund financial performance:<ul><li>Loan Originations: Fee &amp; Interest Income</li><li>Portfolio Health: &lt;1% charge-offs, &lt;5% delinquencies over 30 days</li></ul>Operational grant metrics:<ul><li>Client Hours, others as assigned</li><li>Deployment of types of loans (Healthy Foods, etc)</li></ul>Strategic Grant Metrics: As assigned<ul><li>Network strength, activity, and satisfaction that drives business development &amp; delivers value-add to clients and stakeholders</li><li>Repeat Borrowers</li></ul>Position Essential DutiesConsultative Lending and Loan Origination (50%)<ul><li>Practice consultative lending by working one-on-one with clients on confidential and complex financial structures and business opportunities</li><li>Verify, validate and offer lending-related feedback on:</li><li>Business plans, business models, and market positioning</li><li>Business cash flow projections and corresponding assumptions</li><li>Personal financial information for business applicants</li><li>Applicant business information compared to industry standards</li><li>Consistently achieve individual loan origination goals, driving EFund financial outcomes and deploying capital to support new business starts, stabilizations, expansions, and ownership transitions/succession</li><li>Structure loans and develop sources/uses recommendations that may include banks or credit unions, economic development and community gap lenders, and state and federal grant and loan programs</li></ul>Independently manage loan process by consistently moving projects through EFund pipeline stages and managing customer expectations:<ul><li>Lead &ndash; Identify and evaluate potential clients and projects</li><li>Pre-screen &ndash; Review and vet clients based on their needs, EFund value proposition, program eligibility, and initial loan structuring</li><li>Application &ndash; Support clients through document collection for effective applications</li><li>Underwriting &ndash; Work with credit analysts to complete underwriting</li><li>Voting &ndash; Present loan packages to loan committee</li><li>Closing &ndash; Support clients through loan closing process</li><li>Lead clients to identify 1-2 milestones and KPIs that are determinants to success in achieving the client&rsquo;s long-term plans for growth</li><li>Timely completion of administrative functions, including documenting work time (billable hours), client success measures, and impact stories</li><li>Develop a strong working fluency with software platforms used to process loans and track client work, including Salesforce, Spark, and TEA/CommonGoals</li></ul>Through ongoing professional training, develop personal expertise in:<ul><li>EFund loan programs and the funder obligations associated with each program</li><li>Entrepreneur Fund loan policies and procedures</li><li>Entrepreneur Fund Business Services offerings and tools</li><li>All forms of Commercial lending best practices</li><li>Business consulting and economic development best practices</li><li>Quality jobs initiatives</li><li>Provide advising and guidance to EFund clients who make loan requests, but who may not be ready for financing, and know when to refer clients to other service providers like the Small Business Development Centers (SBDCs)</li></ul>Trusted Guidance for Client Success (25%)<ul><li>Manage a diverse portfolio of existing EFund clients balanced across start-ups, main-street businesses, growth-track companies, and ownership succession, and provide guidance in business performance, support, and achievement of their goals</li><li>Conduct periodic check-ins to assess business health, performance against established milestones and KPIs, and completion of targeted impacts</li><li>Provide guidance, consultation and referrals on general business topics: strategy, operations, financial management, marketing, HR, and more</li><li>Provide on-going opportunities to meet new capital needs</li><li>Leverage EFund&rsquo;s expert network or other key networks to meet the client&rsquo;s needs and advance their goals</li></ul>Business Development (25%)Develop a strong network of referral partners in a designated portion of the EFund service area, including:<ul><li>Banks and credit unions</li><li>Local, state and federal agencies</li><li>Economic development organizations</li><li>Trade associations and business networking groups</li><li>Chambers of commerce</li><li>Small Business Development Centers (SBDCs)</li><li>Develop target lists of prospective clients for business lending in specific industries and targeted geographic areas</li><li>Actively participate in EFund webinars, business training programs, Distinction Awards, and other events, promoting events to clients and driving attendance to achieve intended outcomes</li><li>Represent EFund as a speaker/presenter at partner organizations&rsquo; regional meetings, conferences, and events</li><li>Help organize, promote and participate in regional &ldquo;Non-Traditional Lender Forums,&rdquo; or similar gap lender presentations hosted by EFund and its referral partners</li><li>Actively support EFund marketing campaigns and promote brand messaging through direct outreach and social media activities</li><li>Demonstrate fluency in telling the EFund story and speaking to our unique value-proposition</li></ul>The Ideal CandidateThe right person will bring demonstrated proficiency and sustained interest in working with businesses at a variety of stages &ndash; start-up, established, growth, and exit - for long-term success and business financing. The ability to connect with entrepreneurial business owners and quickly assess the individuals, their needs, and their business, is essential to success in the role. Ideal candidates possess a mastery of small business financing options and an ability to provide effective strategic guidance, while structuring financing pathways EFund can deliver on.EFund clients often have gaps in meeting their capital needs for a wide variety of reasons, ranging from seasoned entrepreneurs and high-growth companies with strong management teams that need equity capital, to a first-time entrepreneurs looking to capitalize on new opportunities. The right candidate will be able to assess and understand a business, influence them towards their goals, and pair a variety of sources of capital to meet their needs.The ideal candidate is motivated to act as a long-term trusted guide, and is committed to maintaining long-term relationships with a growing portfolio of clients. Through a balanced, objective approach to assessing the business and the owner, Lending Advisors utilize a consultative approach to creating a win-win-win for our clients, for EFund, and for our external partners.Lending Advisors actively manage an individual portfolio of existing EFund clients, providing consulting and advising services across all stages of the business lifecycle in support of driving new business starts, stabilizations, expansions, and ownership transitions/succession.The Lending Advisor is an active participant with other EFund staff in learning and improving over time, in accordance with our Core Values. Mastery of the role &ndash; and success in hitting impact and lending goals &ndash; requires sustained commitment to learning, growth, and knowledge-sharing with a dynamic team. The right candidate will bring significant experience, but also be a humble, active learner who sees their work as an ongoing craft.Qualifications<ul><li>Bachelor&rsquo;s degree with concentration in business, finance, accounting, or related field</li><li>5+ years of relevant experience in commercial lending, business ownership, economic development, or business advisory experience preferred. Minimum of 3 years required</li><li>Outstanding oral and written communication skills</li><li>Strong acumen for interpersonal relationship-building</li><li>MS Office Excel/Word/Outlook/Power Point</li><li>Excellent time management with great attention to detail</li><li>Comfortable and confident in networking and business presentation settings</li><li>Experience working with Salesforce or a similar CRM platform is a plus</li><li>Unwavering commitment to EFund Core Values</li></ul>Knowledge, Skills, and AbilitiesProficiency in assessing businesses and business owners<ul><li>Demonstrates an enduring belief that assessing a business owner and the business is a critical element to a collaborative relationship and being a successful lending advisor</li><li>Assessing and understanding business needs and business models at various stages: start-up, maturity, growth, and ownership transitions</li><li>Demonstrates an investor mindset; maintains an objective view of the business and the business owner digs deep to conduct their own due diligence, and sees their work as a value-add for both the business owner and EFund</li><li>Probes, tests, verifies, and validates key assumptions through effective means, before providing a clear and objective analysis</li><li>Tests for key attributes include: self-awareness, win-win-win thinking, skin in the game, and coachability</li></ul>Proficiency in guiding small business owners<ul><li>Demonstrates an enduring belief and understanding that small business and entrepreneurship requires a unique mix of technical, managerial, and leadership skills that evolve with the stage of business</li><li>Demonstrates key competencies in consulting, advising, and mentorship relationships</li><li>Strong emotional intelligence and ability to uncover a person&rsquo;s underlying motivations, concerns, and aspirations</li><li>Ability to effectively guide small business owners, create trusting long-term relationships, and match interventions for capital and guidance</li><li>Leads with a curious, probing approach while matching the client&rsquo;s commitment</li><li>Acts effectively &ndash; in service to all, and with skill &ndash; when clarity is achieved to move the business forward</li><li>Gains trust, respect, and credibility from a variety of business owners across all stages</li></ul>Proficiency in business development and consultative lending<ul><li>Ability to build long-term, trusting, and value-added relationships with a variety of stakeholders</li><li>Able to demonstrate value through effective deal structuring that is a win-win-win for clients, EFund, and our external stakeholders</li><li>Customer-service oriented to setting, managing, and exceeding expectations</li><li>Professional demeanor and unwavering integrity</li></ul>Proficiency in commercial lending and/or investing<ul><li>Understand and interpret business operations, business models, and legal structures</li><li>Strong practices and judgement in due diligence; 5 C&rsquo;s, or other lending frameworks for credit analysis</li><li>Analysis of business loan requests</li><li>Analysis of profit and loss statements, balance sheets and cash flow statements</li><li>Loan structuring and drafting sources/uses</li><li>Management of client expectations and experience in the process</li><li>Strong understanding of the various lending and investing mechanisms available, how to access them, and how to assess appropriate fits for clients</li><li>Ability to understand the needs and requirements for securing capital</li></ul>Entrepreneur Fund Core ValuesGet things done<ul><li>Be organized &amp; efficient</li><li>Work hard - persist &amp; maintain your focus</li><li>Stay focused</li><li>Ask for help before the end</li></ul>Mutually commit<ul><li>Commit to the committed &ndash; customers, staff, communities, and partners</li><li>Commitment is demonstrated, not perceived</li><li>Give everyone a chance to show it</li><li>Believe what they show you</li><li>Do your part</li><li>Expect lasting results from relationships</li><li>Have the hard conversations</li></ul>Effective teamwork<ul><li>Take great satisfaction in meeting team goals</li><li>Strive for team excellence &ndash; suggest improvements, learn from failures</li><li>Organizational strength is fortified through each member&rsquo;s performance</li><li>Keep your communication open, genuine, and honest</li><li>No blame or disrespect</li><li>Celebrate our wins and give specific praise</li></ul>Commit to the Greater Good<ul><li>Impact is our motivator: entrepreneurs &amp; community</li><li>Do what is better for the whole</li><li>Shine a light on real progress</li><li>Be of service to change-makers &amp; doers</li><li>Walk away from the toxic</li></ul>Growth Mindset: Individually and Organizationally<ul><li>Build and sustain practices of learning and knowledge building</li><li>Challenge yourself &amp; others to reflect, share and identify the learn</li><li>Implement &amp; encourage practices of continuous improvement</li></ul>Pay: $79,000.00 - $105,000.00 per yearWork Location: Hybrid remote in Saint Cloud, MN 56301

Fifth Third Bank

<div>Make banking a Fifth Third better&reg; 
We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.<div>
GENERAL FUNCTION:</div><div>
Performs a wide range of duties relating to the origination of residential 1st mortgage loans for outside referrals. Meets standards and objectives defined by management for mortgage loan sales One Bank objectives. Assumes overall responsibility for the residential mortgage loan from application to closing.</div><div> 
Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank&rsquo;s risk appetite, achieves results by consistently identifying, assessing,</div><div>
managing, monitoring, and reporting risks of all types.</div><div> 
ESSENTIAL DUTIES AND RESPONSIBILITIES:</div><div><div><ul><li>
Works with sales leadership and assigned Senior Loan Originator to develop both internal and external referral contacts (realtors, builders, professional, COIs and personal).</li></ul></div><div><ul><li>
Works with sales leadership and assigned Senior Loan Originator to learn and master all aspects and components of the mortgage loan originator position.</li></ul></div><div><ul><li>
This would include, but not limited to, agency and portfolio guidelines, processing, underwriting, closing, and pricing procedures.</li></ul></div><div><ul><li>
Maintain knowledge of Fifth Third Mortgage Company's policies and procedures, available loan products, processing procedures, and underwriting and general departmental guidelines. Completes all required training on time.</li></ul></div><div><ul><li>
Follow defined protocol for escalation underwriting and pricing exceptions.</li></ul></div><div><ul><li>
Take applications by completing URLA on laptop.</li></ul></div><div><ul><li>
Utilize available technology and support for communication and access of daily rates, applicant credit reports, origination of loan files and uploading of files to operations.</li></ul></div><div><ul><li>
Collect appropriate documentation from applicant(s) and deliver loan package in the time frames set by management.</li></ul></div><div><ul><li>
Work with sales leadership and assigned Senior Loan Originator to manage pipeline for all originated loans through closing.</li></ul></div><div><ul><li>
Communicate appropriately and timely with branches and/or applicants providing updates and status reports.</li></ul></div><div><ul><li>
Maintain high levels of customer service while managing each applicant's and Fifth Third expectations.</li></ul></div><div><ul><li>
Attend and participate in all Mortgage and Consumer Lending sales meetings, calls and training as required by management.</li></ul></div><div><ul><li>
Collect application fees on loan applications per policy.</li></ul></div><div><ul><li>
Participate in One Bank making appropriate referrals to other lines of business.</li></ul></div><div> 
MINIMUM KNOWLEDGE AND SKILLS REQUIRED:</div><div><ul><li> 
High school diploma or equivalent mandatory. Four-year college degree preferred.</li></ul></div><div><ul><li>
Demonstrated organizational skills.</li></ul></div></div><div><div><ul><li>
Strong written and verbal communications skills.</li></ul></div><div><ul><li>
Demonstrated teamwork and customer service skills.</li></ul></div><div><ul><li>
Ability to maintain an intense optimism and focus on achieving goals even under adversity.</li></ul></div><div><ul><li>
Proven computer skills.</li></ul></div><div><ul><li>
Basic sales technique skills.</li></ul></div><div><ul><li>
Strong desire to excel in a competitive environment.</li></ul></div><div><ul><li>
This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position.</li></ul></div></div>
Mortgage Loan Consultant
At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
Compensation for this position is largely incentive-based. Incentive compensation is combined with either a base salary or a draw to determine total cash compensation, and incentive compensation is based upon company, line of business and/or individual performance. More information can be obtained upon request.
Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.
LOCATION - Columbus, Indiana 47201
Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes &ndash; no matter how they are submitted &ndash; will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.</div>

Mortgage Loan Consultant

Closet On Rent

Job Description: We are looking for a motivated and confident Lending Coordinator to join our growing team. The ideal candidate will be responsible for handling customer forms and converting potential lenders through effective communication.Key Responsibilities:<ul><li>Accept and manage customer forms efficiently</li><li>Contact new leads/lenders and convert them into active Lenders</li><li>Maintain professional communication via calls and messages</li><li>Follow up with potential customers regularly</li></ul>Requirements:<ul><li>Minimum 1 year experience in online sales &amp; conversions</li><li>Strong communication skills (verbal &amp; written)</li><li>Professional tone in chatting and messaging</li><li>Confident in handling calls and sending voice notes</li><li>Self-motivated and target-oriented</li></ul>What We Offer:<ul><li>Competitive salary package</li><li>Friendly and growth-oriented environment</li><li>Opportunity to enhance sales and communication skills</li></ul>Timings: 12:00 PM &ndash; 9:00 PMHow to Apply: Interested candidates can apply via Indeed or send their CV directly.Pay: Rs30,000.00 - Rs35,000.00 per monthWork Location: In person

Lending Coordinator/Lending CSR

29th Street

Haven Residential is a full-service property management and professional group with a wealth of industry experience in real estate operations, revenue management, marketing, and leasing, new development lease-up, accounting, purchasing control, and compliance. Haven manages over 100 properties, representing over 10,000 units in 12 states with 400 employees and growing.
 
Haven offers a competitive benefits package of: 15 Paid Vacation Days, 6 Paid Sick Days, 10 Paid Holidays, Immediate Eligibility for Medical, Dental and Vision Insurance, Heath Savings Account, Short Term Disability, Basic Life Insurance, Pet Insurance, 401K and more! Come join our growing team!
 
SUMMARY OF POSITION: 
The Floating Leasing Consultant will assist Community Managers with leasing and occupancy at all properties in the Sacramento area. In addition, this role will also assist with marketing efforts to improve the overall customer experience and property performance regarding sales and leasing.
 
ESSENTIAL JOB FUNCTIONS: 
Assist Community Manager with the following: 
Entering and closing work orders
 
First point of contact for all prospects and residents
 
Check vacant units to ensure readiness for tours
 
Upkeep in the model unit as well as the pathway to the model unit
 
Resident Management: 
Constantly try to achieve 95% or higher collected occupancy rate.
 
Strive to renew 100% of all Resident leases at or close to market and 30 days prior to expiration. Use the budgeted rent schedule or approved prices from Management Company.
 
Perform duty of showing, accepting application and completing the lease process for current and future available units.
 
Ensure all applications are completed accurately and processed according to the guidelines in the section Applications/Leases/Move-ins.
 
Submit all lease and applications to Property Manager immediately upon completion with appropriate deposit dollars.
 
Ensure all leases are signed and money paid prior to issuance of property keys and access codes.
 
Complete resident move-in and move-out checklists with residents.
 
Deliver completed lease to Management Company within 24 hours of resident move-in.
 
Complete the vacate settlement statement and return it and all lease copies to the office within one week.
 
Complete weekly activity summary and time log and submit as required each week to the Management Company office.
 
Maintain confidentiality on all matters pertaining to the property, ownership and residents.
 
Conduct all business in accordance with the company policies and procedures, Fair Housing, ADA, Fair Credit Reporting Act, and all other federal, state and local laws pertaining to multi-family housing.
 
Ensure clean move-ins, complete unit inspections and place move-in gifts as appropriate.
 
Marketing responsibilities: 
Study the surrounding market, noting trends and opportunities with respect to such items as utilities, parking, value-added services and community needs.
 
Complete property surveys of neighboring properties focusing on amenities, rents, concessions, and property curb appeal.
 
Conduct Open Houses and participate in other special events as requested by Corporate Managers.
 
Distribute all resident communication when asked (newsletters, notices, etc).
 
Design and recommend to Management Company resident retention and incentive programs. Implement these programs after approval.
 
Post vacant apartments on Craigslist and other suitable and approved marketing venues as defined by Management Company.
 
Assist with coordinating resident appreciation events.
 
REQUIRED SKILLS / ABILITIES
 
The individual must possess the following knowledge, skills and abilities and be able to explain and demonstrate that they are able to perform the essential functions of the job, with or without reasonable accommodation, using some other combination of knowledge, skills, and abilities:
 
Superior organization and communication skills.
 
Ability to provide courteous and professional service to residents, property managers and supervisors.
 
Ability to maintain courteous and professional relations with vendors and other service providers.
 
Must be honest in time reporting.
 
Reliability is a must.
 
Knowledge of Microsoft Office products (Excel, Word, Powerpoint, etc).
 
Valid driver’s license may be required.
 
This position requires some weekend availability and travel, sometimes with little advanced notice and for extended periods of time.
 
May be required to be on-call and aid during staffing deficiencies on-site.
 
EDUCATION AND EXPERIENCE
 
Educational degree not required.
 
At least one year of experience preferred.
 
#HRP

Floating Leasing Consultant

Charles Schwab

<div>Westlake, TX
Requisition ID 2026-120695
Category Retail Branch
Position type Regular
Pay range USD $165,000.00 - $230,000.00 / Year
Application deadline 2026-05-02</div>
 <div><div><div>Your opportunity 

*In addition to a base salary (range posted), this role is also eligible for bonus or incentive opportunities*
We believe in the importance of in-office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s): Westlake, TX
At Schwab, you&rsquo;re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us &ldquo;challenge the status quo&rdquo; and transform the finance industry together.
As a Schwab Senior Wealth Consultant at Charles Schwab you are responsible for providing high-touch service, on-going comprehensive guidance and advice to clients in the context of a dedicated relationship. The Senior Wealth Consultant works across a wide spectrum of investment needs to help clients manage large and complex portfolios. Supporting our clients&rsquo; wealth management needs on behalf of our clients includes but is not limited to: financial planning, estate planning, investment management, retirement planning, education planning, active trading, banking, insurance, and lending needs.<ul><li>
Manage a practice of primarily Ultra-HNW clients; provide world-class service to clients with complex wealth management needs</li><li>
Retain existing clients, attract new clients, and generate growth as measured by AUM, Wealth Management solutions, and client promoter scores</li><li>
Partner with wealth specialists to offer solutions including banking, lending and trust</li><li>
Take an in-depth consultative approach to analyze, assess and find appropriate solutions to meet client needs based on the breadth of Schwab&rsquo;s Wealth Management offer</li><li>
Develop a customized financial strategy for prospects and existing clients</li><li>
Demonstrate a thorough understanding around how to assess suitability and recommend appropriate retirement income advice and distribution process for clients living in retirement</li><li>
Demonstrate proficiency in deepening relationships with clients, from engagement and discovery to gaining commitment and ongoing service.</li></ul>
What you are good at:<ul><li>
Exhibits wealth management and investment products expertise including equities, fixed income, mutual fund and retirement plans; equity compensation plans, stock options and annuities</li><li>
Results driven, highly motivated self-starter who possesses integrity, a strong work ethic, and a passion for helping clients plan for their financial goals and objectives</li><li>
Demonstrates a bias for action and a commitment to achieving sustainable results</li><li>
Able to listen to client&rsquo;s needs and make decisions/take actions that help clients achieve their long-term goals</li><li>
Knows how to follow the proper risk, supervision and controls guidelines to deliver the best outcomes for clients. Exhibits strong culture of compliance, adherence to policy and Schwab&rsquo;s high standards</li><li>
Demonstrates good judgment in selecting methods and approaches for finding appropriate solutions for clients</li><li>
Able to adjust style of communication to best connect with others</li><li>
Demonstrates and encourages collaboration and teamwork cross functionally and within his/her team</li><li>
Demonstrates personal resilience and a commitment to continually learn</li><li>
Able to remain positive and focused during times of pressure, adversity, or change</li><li>
Actively engages and helps others succeed</li><li>
Understands life event triggers for clients and leverages this ability to consolidate and retain assets; proven ability to probe clients for life event triggers and provide financial advice accordingly</li><li>
Flexible in changing environmental, economic, and client need scenarios; proven experience demonstrating the ability to lead change within self and oth</li></ul>
What you have 

To ensure that we have fulfilled our promise of &quot;challenging the status quo,&quot; this role has specific qualifications that successful candidates should have.
Highly Preferred Qualifications<ul><li>
Wealth Management designation, e.g., Certified Wealth Strategist (CWS), CFA or CFP highly preferred</li><li>
Bachelor&rsquo;s degree highly preferred</li></ul>
Required Qualifications: Must have:<ul><li>
Active &amp; valid FINRA Series 7 license</li><li>
Active &amp; valid FINRA Series 66 (63/65) license</li><li>
Active &amp; valid Life &amp; Health insurance</li><li>
7+ years financial services industry experience</li><li>
2+ years Ultra- HNW client experience</li></ul><div> 
What&rsquo;s in it for you
At Schwab, you&rsquo;re empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration&mdash;so you can build the skills to make a lasting impact.
We offer a competitive benefits package that takes care of the whole you &ndash; both today and in the future:<ul><li>
401(k) with company match and Employee stock purchase plan</li><li>
Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions</li><li>
Paid parental leave and family building benefits</li><li>
Tuition reimbursement</li><li>
Health, dental, and vision insurance</li></ul></div><div> 

</div></div><div><div><div>Share:</div>
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</ul></div></div></div><div>Eligible Schwabbies receive
<ul><div>Medical, dental and vision benefits
</div><div>401(k) and employee stock purchase plans
</div><div>Tuition reimbursement to keep developing your career
</div><div>Paid parental leave and adoption/family building benefits
</div><div>Sabbatical leave available after five years of employment</div></ul></div></div>

VP, Senior Wealth Consultant - Ultra High Net Worth- Westlake, TX

Community Financial

Who We Are: 
At orsa credit union, we believe in more than just banking, we believe in people. We are looking to build a community of forward-thinking team members who share our values towards providing exceptional member experiences and financial empowerment through our best-in-class products.
 We’ve been recognized as one of the Regional Best and Brightest companies for the last 20 years and nationally recognized since 2018. We have been certified as a Great Place To Work since 2023 and as of 2024, we were also recognized as the Best and Brightest in Wellness , reflecting our deep commitment to our team members and the communities we serve.
 
About the role: 
Every day, the senior consultant transforms ordinary branch visits into digitally-forward, people-first extraordinary experiences that strengthen trust, deepen relationships, and create joy. This role carries our promise all the way through the final mile, ensuring members experience both care in the moment and guidance that prepares them for the future.
 Building on the responsibilities of the consultant, the senior consultant develops subject-matter expertise in complex areas and uses this knowledge to guide members through specialized needs, mentor peers, and strengthen branch and organizational performance. By combining operational excellence, consultative depth, and living our culture by example, the senior consultant embodies our values by walking with members — and teammates — through both light and dark moments, positioning the organization as their trusted, lifelong partner to create joy and ignite Michiganders’ impossible dreams.
 This position has a starting hourly rate of $24.23 , but your offer amount may be increased with relevant work experience and transferable skills.
 
A Day in the life of a senior consultant can look like: 
Walk alongside members in both light and dark moments.
 Carry the spirit of our Manifesto all the way through the final mile, ensuring every interaction makes members feel supported and relationships grow stronger. Show up with presence, mirror joys and struggles, root for members, and care boldly enough to make every interaction meaningful.
 Be a confident and trusted resource with depth.
 Share knowledge of deposit, lending, and digital banking products with clarity and care, while applying subject-matter expertise in areas such as business accounts, IRAs, trusts, or compliance to meet more complex member needs.
 Guide members toward meaningful solutions with a digitally-first mindset.
 Take time to understand members’ everyday finances and impossible dreams, recommending products and services that help them move forward with confidence.
 Mentor and support peers.
 Model best practices and share expertise to help teammates grow in confidence and capability.
 Deliver operational excellence with care.
 Handle transactions — including cash — with accuracy, integrity, and consistency, protecting members’ trust.
 Perform other duties as directed by leadership.
 
What you bring to the table: 
High school diploma or equivalent.
 Minimum three years' experience as a service representative in the retail or service industry or equivalent experience.
 Demonstrated knowledge of fiduciary products and services.
 Extensive and demonstrative knowledge of digital products and services offered by orsa credit union.
 Experience and a passion for leadership, performance management, and team member development.
 Demonstrated ability to effectively communicate in a training and mentoring setting.
 Proven successful goal setting and achievements.
 Proficiency using Microsoft Suite.
 
We believe in creating a Culture of Belonging guided by our core values: Relentless Care, Hustle & Grind, Huzzah! and Curiosity.
 
As a team member of orsa, you’ll enjoy: 
Comprehensive medical, dental, and vision plans
 Generous paid time off package for all full-time team members
 Up to 12-weeks paid paternity/maternity leave
 Lifestyle Accounts to help with your personal wellbeing
 Family Health Benefits
 Paid time off to observe all Federal Holidays
 Flexible work options depending on position
 A generous 401k match
 Numerous employee engagement activities
 Community Resource Groups
 Paid time off for occasions such as volunteering, caregiving, and family events
 
Contact/application information: 
If this description appeals to you, please submit an application! A member of orsa’s talent acquisition team will be in contact with you shortly!
 
Equal Employment Opportunity Policy: 
orsa credit union is an equal opportunity employer (M/F/D/V). We recruit, employ, train, compensate, and promote without regard to race, religion, creed, color, national origin, age, gender, gender identity or expression, sexual orientation, marital status, disability, veteran status, or any other basis protected by applicable Federal, State or local laws.
 
Disclaimer: 
This job posting highlights some of the most critical responsibilities and requirements of the position. There may be additional duties and responsibilities that are not listed above. A Talent Acquisition Specialist will be sure to discuss the role in further detail should your application be selected to move forward.
 Please note that orsa credit union does not involve Artificial Intelligence (AI) when evaluating applications. Applications for this position are reviewed by a member within the Talent Acquisition team. We are dedicated to providing an equitable and thorough review of all submissions and look forward to additional connection as the recruitment process continues!

senior consultant

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VP, Senior Wealth Consultant - Ultra High Net Worth- Westlake, TX

senior consultant