Credit and Portfolio Analyst

Habitat International; Atlanta, Northern (GA, KY); Hybrid; USD 77,000 - 114,000; Full time

Job summary

Habitat for Humanity International (HFHI) seeks a Credit & Portfolio Analyst to join Habitat Capital (HCap), a nationally certified CDFI. The role focuses on credit underwriting, financial modeling, portfolio support, and investor communications to advance affordable housing across the US.

The Analyst Program offers two years of training with potential extension, remote work consideration, and travel up to 10% within the US.

Qualifications

• Undergraduate degree required in a related field.
• 2+ years of relevant experience (including internships).
• Knowledge of CDFI lending, tax credits or impact investing is a plus.
• Experience building financial models and data analysis; fluency with MS Office.

Responsibilities

• Loan origination and underwriting support (credit analysis, due diligence, structuring).
• Portfolio management support and monitoring of loan portfolio and reporting.

Skills

Credit analysis

Financial modelling

Underwriting

Portfolio reporting

Excel

Education

Bachelor's degree in a related field

Tools

Microsoft Office (Excel/PowerPoint)

Job description

Opportunity Type: Regular Summary: JOB SUMMARY

Habitat for Humanity International (HFHI) is seeking a motivated Credit & Portfolio Analyst to join Habitat Capital (HCap), a nationally certified Community Development Financial Institution (CDFI), certified in 2017. Habitat Capital is a wholly-owned entity of HFHI and was created to serve our more than 900 US-based Habitat for Humanity affiliates. HCap provides an array of financial services and products to Habitat affiliates to support their work as affordable mortgage originators, real estate developers, home-builders, sellers, and partners for housing and community solutions. To date, HFHI and HCap has provided over $400MM in capital to its US domestic affiliate network via enterprise-level, secured project-level, bridge and structured financing for affordable housing and community development projects as well NMTC allocation for homeownership initiatives. Additionally, HCap seeks to develop and provide permanent mortgage financing products. HCap values creativity and flexibility in developing financial products for our customers and working with capital partners who share our mission.

About the Program and Role

The HCap Analyst Program ("the Program") is a new intentional effort between HFHI and HCap to recruit and train early-stage professionals to succeed in mission-driven financial services roles. In this two-year program, participants will support HCap's efforts to attract and deploy capital to create and increase the production of affordable housing and greater community development across the US. The Analyst will possess and develop strong financial, entrepreneurial, program management and analytical skills while providing communications and research to advance housing and community development initiatives and support broader strategic initiatives and operations. Supporting HCap Directors, the Analyst's primary responsibilities will include financial analysis and modelling, transaction underwriting, portfolio management, investor relations, marketing and communications, and supporting new programmatic initiatives. While the analyst will have broad responsibilities, there will be a primary focus on credit and underwriting. Participants will receive training designed to foster mission-alignment, understanding of the housing and community development finance sectors, development of technical skills, and other ongoing enrichment. This 2-year program with the potential for a 3rd year to be evaluated at the end of year 2. The Program is committed to diversity and inclusion and encourages diverse candidates to apply. These positions are strongly preferred to be based at our headquarters office in downtown Atlanta (Remote considered) and involves up to 10% travel within the US.

Key Responsibilities

Essential Duties

• Loan Origination and Underwriting (50%)
  • Conduct credit analysis, due diligence and structuring for investment and real estate transaction - Financial statement analysis - Project-level analysis and diligence - Impact analysis - Term sheet creation
  • Support the creation of written investment memo for internal investment committee
  • Interface with multiple internal and external to support all aspects of deal lifecycle from prospecting through closing
  • Conduct financial modelling of new financial products that are innovative, socially responsible, fiscally responsible and attractive to the investing community.
  • Provide technical assistance, as needed, to potential or current applicants
• Portfolio Management (20%)
  • Provide support to Portfolio Management Associate to monitor and provide analysis on the existing loan portfolio
  • Support monthly, quarterly and semi-annual reporting requirements, collateral substitutions and loan prepayments
  • Support investor financial and impact reporting requirements
  • Interface with trustees, paying agents and internal finance to ensure timely and accurate satisfaction of debt service obligations
• Research & Analysis (20%)
  • Provide reliable borrower, property, and market-level data by using available third-party and internal resources to conduct research.
  • Support the creation and analysis of models, charts, tables, templates, maps and other resources related to lending and programmatic initiatives
  • Conduct market research, portfolio and impact data analysis related to historical and future lending work in advancing affordable homeownership, racial equity and climate resiliency
• General Operations (10%)
  • Develop investor and management presentations and reports as well as support training and educational materials for HFHI affiliates
  • Prospecting and research in support of broader strategic initiatives and new products and programs
  • Financial modelling and budgeting support
  • Assist in the preparation and submission of funding proposals for federal and private programs
  • Other special projects/task as assigned

Cross Functional Capabilities Employees in multiple divisions with different skillsets work together to achieve Habitat for Humanity International’s mission and common strategic goals. Key aspects of cross-functional responsibilities in a global non-profit include: Strategic planning, program design and implementation, communication and branding, monitoring and evaluation, and compliance and risk management.

Minimum Requirements

• Education • Undergraduate (required) in a related field
• Years of Related Experience • 2+ years of relevant experience (including internships)
• Knowledge, Skills and Abilities • Product Knowledge: Familiarity or interest in CDFI lending, tax credits, impact investing.
• Technical Experience: Experience building models and data analysis; Fluency with Microsoft Office Suite (Excel, Word and PowerPoint)

Preferred Requirements

• Preferably with experience in affordable housing, community development, finance, real estate development, nonprofit management or similar.
• Credit training and commercial underwriting experience strongly desired
• Location: Remote U.S. - work from anywhere Employees located near Atlanta, Americus, GA, or Washington, DC offices who are hired in a hybrid capacity report to the office on Tuesdays.

Our Values

At Habitat, our work is guided by three core values: Accountability — We take personal responsibility for Habitat’s mission. Courage — We do what’s right, even when it’s difficult. Humility — We recognize we are part of something bigger than ourselves.

Safeguarding

HFHI requires that all employees take seriously their ethical responsibilities to safeguarding our intended beneficiaries, their communities, and all those with whom we work. Managers at all levels have responsibilities to support and develop systems that create and maintain an environment that prevents harassment, sexual exploitation and abuse, safeguards the rights of beneficiaries and community members (especially children), and promotes the implementation of Habitat for Humanity’s code of conduct.

Hiring Range

The actual salary offered for this role will be based on a variety of factors, including location, internal equity and the candidate’s qualifications and professional experience. HFHI offers a competitive, comprehensive benefits package that varies by country and typically includes vacation leave, sick leave, personal days, health insurance options, retirement plan contributions and life insurance. For work locations in the US, the annual hiring range for this position is: $76,700.00 - $114,125 USD

About Us

Habitat for Humanity, founded in 1976, is a global, Christian-based nonprofit organization that grew out of an intentionally multi-racial community in rural Georgia. Seeking to put God’s love into action, Habitat brings together people of all faiths and people of no faith to build homes, communities and hope. Working alongside each other, we help families and individuals build and improve places to call home and achieve the strength, stability and self-reliance they need to build better lives for themselves. Habitat seeks individuals who have a willingness to affirm these principles and values. At Habitat for Humanity International, we are compelled by our Koinonia roots to put God’s love for all into action and pursue housing equity and opportunity by bringing all people together to build community and drive impact. We strive to build a culture rooted in learning, accountability and trust, attracting and retaining mission-driven talent reflective of the global communities we serve.

Equal Opportunity Employer Statement

As an equal opportunity employer, we realize our success depends on courageously committing to being a workplace where all staff feel safe, welcome, visible, respected, supported and valued, and building a workforce that reflects a variety of lived experiences, backgrounds and perspectives, in which every person experiences dignity and respect. Habitat for Humanity International is an E-Verify employer. E-Verify information (English/Spanish) Right to work (English/Spanish)