At a Glance
- Tasks: Support local businesses with loans, coaching, and financial analysis to help them thrive.
- Company: Community Futures Middlesex, a non-profit dedicated to rural economic growth.
- Benefits: Competitive salary, employer-paid benefits, flexible work environment, and professional development.
- Other info: Join a diverse team focused on innovation and community engagement.
- Why this job: Make a real impact on entrepreneurs and communities while building valuable relationships.
- Qualifications: Degree in Business or related field and 3+ years in lending or business advisory.
The predicted salary is between 65000 - 75000 $ per year.
- Help local businesses start, grow, and succeed
- POSITION Full-time, permanent
- STARTING SALARY $65,000 to $75,000
Community Futures Middlesex is a federally supported, not-for-profit organization dedicated to strengthening the rural economy of Middlesex County.
Through flexible business financing, advisory services, and community economic development initiatives, we help entrepreneurs and small businesses achieve their goals.
We are seeking an energetic, relationship-focused Business & Loans Advisor to support entrepreneurs and small businesses through every stage of the lending process while providing business coaching, financial analysis, and portfolio management services.
This is an excellent opportunity for someone who enjoys working directly with business owners, analyzing opportunities, building relationships, and making a meaningful impact in rural communities.
- Primary Responsibilities
- Commercial Lending & Credit Adjudication
- Evaluate loan applications and supporting documentation.
- Analyze business plans, financial statements, cash flow forecasts, and repayment capacity.
- Conduct credit investigations and risk assessments.
- Prepare lending recommendations and loan summaries for management and the Board of Directors / Loans Committee.
- Structure financing solutions tailored to client needs.
- Ensure compliance with Community Futures lending policies and procedures.
- Business Advisory Services
- Provide one-on-one business coaching and advisory support to entrepreneurs and small business owners.
- Assist clients in developing and refining business plans and financial projections.
- Identify business opportunities, challenges, and growth strategies.
- Connect clients with government programs, funding opportunities, and professional service providers.
- Deliver workshops, presentations, and information sessions on business planning, financing, cash flow management, and entrepreneurship.
- Monitor existing loan accounts and client performance.
- Conduct business visits and ongoing client reviews.
- Review financial reporting requirements and covenant compliance.
- Identify emerging risks and recommend proactive solutions.
- Support collection and workout activities when required.
- Business Development & Community Engagement
- Build relationships with local businesses, municipalities, chambers of commerce, financial institutions, economic development organizations, and community partners.
- Promote Community Futures programs and services throughout Middlesex County
- Participate in networking events, trade shows, business forums, and community initiatives.
- Contribute to organizational growth through outreach and referral development.
Qualifications
Education
- Degree or diploma in Business, Commerce, Finance, Accounting, Economics, or a related field.
- Equivalent combinations of education and experience will be considered.
Experience
- Minimum three years of experience in commercial or small business lending, business banking, credit analysis, economic development, or business advisory services.
- Experience evaluating business plans and financial statements.
- Experience preparing cash flow forecasts and financial projections.
- Experience working directly with entrepreneurs and small business owners is considered an asset.
- Strong financial analysis and credit adjudication skills.
- Ability to interpret financial statements and assess business viability.
- Excellent verbal, written, and presentation skills.
- Strong relationship-building and networking abilities.
- Self-motivated with excellent organizational and time-management skills.
- Proficiency in Microsoft Office, particularly Excel, Word, Outlook, and Teams.
- Ability to work independently while contributing to a collaborative team environment.
- Familiarity with Customer Relationship Management (CRM) software.
- Preferred Assets
- Commercial credit training or lending designations.
- Experience with government-supported lending programs.
- Familiarity with rural business development and economic development initiatives.
- Knowledge of Middlesex County and the surrounding business community.
Why Join Community Futures Middlesex?
At Community Futures Middlesex, you'll have the opportunity to make a direct impact on entrepreneurs, businesses, and communities throughout rural Middlesex County.
Our team values professionalism, collaboration, innovation, and meaningful community engagement.
What we offer
- Employer-paid group benefits
- Group RRSP participation
- Professional development
- Flexible work environment
Community Futures Middlesex values diversity throughout the organization and seeks to expand the representation of diverse cultures, backgrounds, perspectives, and lived experiences to better reflect our community, clients, and stakeholders.
Community Futures Middlesex also values inclusion and equal access for all job applicants.
We thank all applicants for their interest; however, only those selected for an interview will be contacted.
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Business & Loans Advisor employer: Community Futures Middlesex - The Business Help Centre
Community Futures Middlesex is an exceptional employer dedicated to fostering the growth of rural businesses in Middlesex County. With a strong focus on community engagement, our team enjoys a collaborative work culture that promotes professional development and offers flexible work arrangements. By joining us as a Business & Loans Advisor, you'll have the chance to make a meaningful impact while benefiting from employer-paid group benefits and opportunities for personal growth.
Contact Details:
Community Futures Middlesex - The Business Help Centre Recruitment Team
