Careers

Position Summary

The Commercial Loan Processor is responsible for assisting loan officer(s) in all phases of processing. This position is responsible for processing approved loans and documentation of commercial loans in compliance with EMDC’s lending policy and banking regulatory guidelines. This position communicates with lenders, customers, internal staff, brokers, title companies, etc. to respond to inquiries, resolve problems and obtain all necessary documentation required for the file.

This position is posted for 25 hours per week and is eligible for prorated Paid Time Off (PTO) and Holiday pay. This position is not eligible for other benefits offered by EMDC.

Essential Functions

• Coordinates the processing of approved new commercial loans, letters of credit, extension, modification and deferral agreements, loan advances, and any other documentation, as necessary. Reports any exceptions promptly and prior to disbursement.
• Working with the Commercial Loan Officer to prepare, acquire, and assemble documentation for commercial loans following underwriting guidelines and policies.
• Assists other departments with lending related functions including regulatory reporting and special projects.
• Maintains the commercial loan filing system.
• Reviews loans in process for accuracy, technical exceptions and adherence to policies, laws, and regulations; reports exceptions to immediate supervisor and/or Commercial Loan Officer.
• Coordinates loan closings with Commercial Loan Officer and disburses loan proceeds.
• Ensures documents are recorded and legal filings complete.
• Updates records and verifies that files are complete and accurate.
• Prepares transactions, reports, correspondence, memos, and performs other clerical/administrative duties in an accurate manner.
• Attend meetings to discuss complex commercial transactions and/or review pending loans.
• Responds to internal and external inquiries regarding the status of loans in process, technical exceptions, loan documents, and other lending-related questions.
• Consistently demonstrates proficiency in providing exemplary customer service in person and by telephone. Maintains a friendly, positive, and professional attitude. Resolves difficult situations with tact and diplomacy.
• Advises Loan Officer of problems with procedures, policies, improper calculations, deadlines, and other
• Corresponds with borrowers regarding missed payments, lapses in insurance, annual collection of taxes, and any other matters as required.
• Assembles black books and all other loan files.
• Assumes additional responsibilities as assigned.

Job Requirements

• Requires strong and effective communication skills, both oral and written.
• Requires excellent relationship and customer service skills.
• Requires the ability to handle multiple tasks and meet deadlines.
• Requires the ability to read and interpret legal documents.
• Requires the ability to gather and track information.
• Requires proven analytic and critical thinking skills.
• Requires the ability to be highly accurate.
• Requires excellent organizational skills and attention to detail.
• Requires adherence to best practice data management processes.
• Requires adherence to prescribed operations manuals, internal controls, and other compliance-approved processes and workflows.
• Requires proficient computer skills.
• Requires participation in criminal record and employment history review in accordance with the Small Business Administration (SBA) guidelines.

Core Competencies

• Computer skills – Proficient in the use of computers, adapts to new technology, learns new programs quickly, and uses computers to improve productivity.
• Critical thinking- Uses logic and reasoning to identify and evaluate scenarios, solutions and approaches to problems.
• Customer service – Handles customer, vendor, and colleague questions and complaints, communicates with customers, handles service problems politely and efficiently, always available for customers, follows procedure to solve customer problems, understands company products and services, and maintains pleasant and professional image.
• Dependability – Meets commitments, works independently, accepts accountability, adapts to changes, sets personal accountability standards, stays focused under pressure, and meets attendance/punctuality requirements.
• Integrity/Ethics – Deals with others in a straightforward and honest manner, is accountable for actions, maintains confidentiality, supports company values, and conveys good news and bad.
• Teamwork – Meets all team deadlines and responsibilities, listens to others and values opinions, helps team leader to meet goals, and welcomes newcomers and promotes a team atmosphere.

Position Competencies

• Adaptability/Flexibility – Adapts to change, is open to new ideas, takes on new responsibilities, handles pressure, and adjusts plans to meet changing needs.
• Initiative – Tackles problems and takes independent action, seeks out new responsibilities, acts on opportunities, generates new ideas, and practices self-development.
• Interpersonal Skills – Has good listening skills, builds strong relationships, is flexible/open-minded, negotiates effectively, solicits performance feedback, and handles constructive criticism.
• Personal Organization – Keeps information organized and accessible, maintains clean/functional workspace, works systematically/efficiently, and manages time well.
• Productivity – Manages a fair workload, prioritizes tasks, develops good work procedures, manages time well, and handles information flow.
• Quality – Is attentive to detail and accuracy, is committed to excellence, looks for improvements continuously, monitors quality levels, finds root cause of quality problems, and owns/acts on quality problems.

Education/Experience

Associate’s degree or equivalent work experience required. Experience (2 -5 years+) of and/or training as a commercial loan processor or in a commercial lending support position strongly preferred.

Working Conditions

General business hours are 8:00 a.m. to 5:00 p.m. Monday through Friday in the office, though exempt positions will typically require work to be performed outside general business hours. The work is generally performed indoors and in a professional office environment.

While performing the duties of this job, the following requirements apply standing, walking, sitting, talking, listening, answering questions, solving problems within the scope of the position, and require the use of a computer, a keyboard for typing and other electronic software and apps. The employee must occasionally lift and/or move up to twenty pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. This position requires traveling to various locations and must be able to provide own transportation.

The physical demands described here are representative of the additional requirements an employee must be able to meet successfully to perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Disclaimer: Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Position Summary

Higher Opportunities for Pathways to Employment (HOPE) and Parents as Scholars (PaS) serve participants ages 16 to 64 who are parenting, attending a post-secondary education or training program, and meet specific income criteria. Navigators assist participants in accessing the benefits provided by the HOPE and PaS Programs as well as provide wraparound supports that include connecting participants to resources needed to complete their education or training that leads to achieving employment goals.

The role of the HOPE/PaS Navigators is to play a critical role identifying and reducing obstacles that may otherwise impede participants’ progress in, or threaten the completion of, their programs of study, using knowledge of gaps and needs faced by low-income student parents. Navigators act as a liaison between DHHS and participants of the HOPE and PaS programs, sharing critical participant information with the Department when necessary. Navigators provide direct support to participants to promote Persistence and Completion and to identify and provide direct assistance to participants to ensure gaps and needs are met.

 Essential Functions

Outreach:

• Identify current students who may be eligible for and benefit from enrolling in the HOPE Program and provide prospective Participants with information on Program rules and applications.
• Contact HOPE referrals to provide information on Navigation services and determine if the Participant is interested in engaging with the Navigator.
• Contact all Participants monthly, at a minimum, for the duration of their enrollment in the HOPE Program to check-in and offer any support.
• Engagement:
• Meet with Participants who request Navigation services on an on-going basis and as frequently as is determined necessary by the Participant and Navigator
• Develop and retain a Student Success Plan (SSP), or similar plan, for Participants who choose to engage with a Navigator. The SSP should be the result of a thorough assessment and identify a plan with the Participant to reduce or eliminate gaps and needs to completing their program of study or training.
• Follow-up on Participant complaints, concerns, and absences

Support Services Coordination:

• Respond to Participants within 24-hours when a gap, need, setback, or threat to persistence becomes known and assist in resolving the issue.
• Refer Participants to HOPE or PaS Support Services, school resources, and community resources that can assist with mitigating the need.
• Act as a liaison between the HOPE Program and Participants, assisting with submitting accurate required documentation and following up to ensure supports are received.
• Support all Participants proactively.

Financial Aid Guidance and Support:

• Help Participants understand student bills, the cost of attendance, student fees, professional licensing fees, and unmet need.
• Assist Participants in completing the FAFSA as needed, and direct Participants to other sources of financial aid, grants, and scholarships.

Academic Planning:

• Support Participants with course selection/registration/course scheduling to assure students remain on track to complete their program of study and pursue the most efficient path to program completion.
• Coordinate meetings with Academic Advising, as necessary.
• Help Participants develop a class schedule that supports their various obligations.
• Advise Participants on time management and study skills.

Track Student Progress:

• Review all Participants’ academic standing and progress in their training or education program using multiple sources of available information.
• Contact all Participants identified to be at risk of not persisting or completing, assess for any potential gaps and needs, and offer support to the Participant.

Career Exploration and Planning:

• Provide coaching, planning, and exploration to support Participants in identifying a career pathway and outline a plan for pursuing their chosen career.
• Connect Participants to internships, apprenticeships, and job shadowing opportunities that support their occupational goals.

Program Related and Other Duties:

• Engage with DHHS to broker new, relevant resources to HOPE/PaS participants.
• Receive training and gain proficiency with policy, rules, and statutes of the HOPE and PaS programs, and department policies and protocols.
• Comply with all data and documentation requirements in a timely fashion.
• Participate in DHHS HOPE/PaS training teams as required.
• All other duties as assigned.

 Job Requirements

• A background taking a relationship-based approach as a Student Navigator, mentor, or advisor to students in higher education and proven skills in human relations and leadership.
• Strong communication, relationship-building, assessment, planning, implementation, and monitoring abilities to maintain trust-based relationships and up-to-date participant information.
• Demonstrated experience identifying and monitoring individuals at-risk, tracking intervention plans, strategies and outcomes, and having proven skills in supervision and motivational techniques.
• Knowledge of the types of assistance programs available to low-income students and parents that include HOPE and PaS Programs, school, community, state, and federal supports.
• A demonstrated understanding of and prior experience with higher education systems and the financial aid process
• An ability to connect effectively with students and members of the community, and to make formal presentations.

Education/Experience

• Bachelor’s Degree with training, education, or experience in human services, social services, education, or a related field.
• Two (2) years of experience providing the ongoing encouragement and assistance needed to ensure that students persist and complete higher education credentials of value.
• Prior experience developing partnerships with campus faculty, staff, and administrators, as well as community partners.
• General knowledge of the types of barriers faced by low-income parents and at-risk students and the existing wraparound supports, programs, and financial aid available to student parents.
• Demonstrated experience using proactive advising strategies, supporting at-risk populations, intervening, providing just-in-time assistance, and reporting outcomes.
• An understanding of and prior experience with administrative requirements and procedures of higher education, the financial aid process, and/or the career exploration process
• Prior experience facilitating students’ academic and/or social connections and connecting students with appropriate information and resources.
• Ability to work independently while managing multiple priorities and deadlines.
• Ability to establish appropriate boundaries while developing and nurturing supportive relationships with students and program participants.
• An ability to work twelve (12) months per year, communicating with participants at their convenience in the method they prefer.

 Working Conditions

The HOPE/PaS Navigator will dedicate several days a month to meeting with participants face-to-face and hosting office and drop-in hours at local universities, community colleges, and various workforce development training locations in the geographic area they serve.

General business hours are 8:00 a.m. to 5:00 p.m. Monday through Friday, though exempt positions will typically require work to be performed outside general business hours. Work is generally performed in an indoor, professional office environment.

While performing the duties of this job, the employee is regularly required to sit and talk or listen and to use a keyboard for typing. The employee is often required to stand and walk. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus. The employee must travel to various locations and be able to provide transportation.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Disclaimer: Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

To apply, please submit a resume and cover letter to careers@emdc.org.

Position Summary

The Senior Accountant is an integral part of the Finance team. The position is responsible for performing balance sheet, revenue, expense and payroll account reconciliations, authorizing and approving financial transactions, as well as ensuring timely billing and grant reporting. The Senior Accountant assists with year-end audit preparation and contract management.

Essential Functions

• Monitors operating cash and prepares daily Cash Flow reports.
• Reviews and approves journal entries and accounts payable invoices.
• Review staff work as needed, including monthly bank reconciliations for lending and operating accounts.
• Provides support and training, as appropriate, to program and accounting staff.
• Performs advanced troubleshooting with the accounting software and provides related instruction and tutoring to other staff.
• Works with independent auditors to ensure compliance and financial reporting requirements; assists with audit preparation.

Job Requirements

• Requires strong working knowledge of accounting practices, grants management, and fund accounting.
• Requires knowledge of nonprofit reporting practices and requirements.
• Requires ability to: be exact or highly accurate; to meet strict deadlines; to work with others in a group or team; and to work with external customers or the public.
• Requires use of accounting & grants management software, internet, electronic mail, and office productivity software, including spreadsheets and databases.
• Requires sound decision-making practices and the ability to make significant decisions.
• Coordinates with individuals or teams, contact with others (face-to-face, by telephone, or otherwise), repeating the same physical activities or mental activities over and over, and working indoors in environmentally controlled conditions.
• Ability to work cooperatively and collaboratively with all levels of employees, management, and external agencies to maximize performance and achieve departmental goals.
• Ability to make recommendations, identify and resolve problems, and exercise judgment that is consistent with best practice, established standards, and/or applicable law.
• Ability to research, analyze, and report various types of data and information.
• Ability to organize and prioritize work, work with limited supervision, and manage multiple conflicting priorities.

Core Competencies

Technology: Strong digital literacy across computer systems and web-based tools and accounting software applications; quick to adapt to new technologies and guide others.

Customer Service: Delivers professional, responsive service; handles client and stakeholders concerns and opportunities effectively.

Decision Making/Judgment – Recognizes problems and responds, systematically gathers information, sorts through complex issues, seeks input from others, addresses root cause of issues, makes timely decisions, can make difficult decisions, uses consensus if needed, and communicates decisions to others.

Dependability – Meets commitments, works independently, accepts accountability, handles change, sets personal standards, stays focused under pressure, and meets attendance/punctuality requirements.

Integrity/Ethics – Deals with others in a straightforward and honest manner, is accountable for actions, maintains confidentiality, supports company values, and conveys good news and bad.

Teamwork: Collaborates to promote team success and maintain a positive and productive working environment.

Position Competencies

Job Knowledge: Understands duties and responsibilities, has necessary job knowledge to perform as expected, has necessary technical skills.

Problem-Solving: Analyzes complex issues, simplifies problems, and implements solutions.

Listening Skills – Listens attentively to others, asks clarifying questions, actively listens, stays open to other viewpoints, and manages distractions and interruptions.

Results Focus – Targets and achieves results, sets challenging goals, prioritizes tasks, overcomes obstacles, accepts accountability, sets team standards and responsibilities, provides leadership/motivation.

Education/Experience

Bachelor’s Degree in Accounting and a minimum of five years’ experience in fund accounting and grant management. Requires knowledge of nonprofit reporting practices and requirements and experience with GMS Accounting software and proficiency in Microsoft Excel.

Working Conditions

General business hours are 8:00 a.m. to 5:00 p.m. Monday through Friday, though exempt positions will typically require work to be performed outside general business hours. Work is generally performed in an indoor, professional office environment.

While performing the duties of this job, the employee is regularly required to sit and talk or listen and regularly required to use a keyboard for typing. Specific vision abilities required by this job include close vision and ability to adjust focus.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Disclaimer: Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Eastern Maine Development Corporation is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other status protected by law.