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Lending Director
Company: Mountain Association
Location: Berea, KY
Employment Type: Full Time
Date Posted: 10/14/2021
Expire Date: 12/14/2021
Job Categories: Accounting/Auditing
Job Description
Lending Director


The Mountain Association is looking for a highly motivated individual to lead, manage and develop our lending program. The Lending Director will supervise, inspire and manage staff to achieve programmatic deployment and impact goals and ensure they align with Mountain Associationís overall mission, vision and goals. The Lending Director will also lead the development of strategies to facilitate equitable access to capital to reach people and communities who have traditionally been underserved, and participate in organizational planning and leadership as a member of Mountain Associationís Management Team.


The Mountain Association invests in people and places in Eastern Kentucky to advance a just transition to a new economy that is more diverse, sustainable, equitable and resilient. Our Lending team offers loans to existing and startup businesses and organizations. We are a Community Development Financial Institution and a non-profit, so we can offer greater flexibility and lend to those who may not otherwise qualify. Our Business Support program connects business owners and nonprofit leaders to consultants who can help them succeed. Our Energy experts help businesses, nonprofits, public agencies and homeowners find much-needed energy savings through utility bill analysis, on-site energy efficiency and solar assessments, financing and grant application support.

The Mountain Association also engages in research, communications and advocacy for policy and narrative change, and works with partners on a variety of projects to demonstrate whatís possible in Eastern Kentucky.

Position Description

Duties and responsibilities include but are not limited to the following areas:

Program leadership, management, and development 

  • Serve as the thought leader and chief strategist for the development and growth of the lending program, ensuring that the lending program is aligned with Mountain Associationís overall mission, vision and goals, including integration with other Mountain Association programs.
  • Lead, inspire and manage staff to achieve programmatic deployment and impact goals through sharpening our lending strategies and developing innovative new strategies that address regional needs and opportunities while balancing community benefit and long-term wealth building with risk management.
  • Work with the team, as needed, to originate and underwrite loans.
  • Lead the development of strategies to facilitate equitable access to capital, proposing realistic, yet bold goals to reach people/communities who have traditionally been underserved.
  • Work with the Communications team to actively market Mountain Associationís lending programs, plan campaigns and provide information on the lending program for external communications and marketing; provide clear internal communication organization-wide regarding the lending programís role in our vision and organizational goals. Empower and work with staff to communicate about the impact of our work and share our stories.
  • Review and evaluate Mountain Associationís lending program on an ongoing basis and take action as needed for improved efficiency, increased impact for communities and underserved people, and better alignment with Mountain Associationís five year plan.
  • As a member of Mountain Associationís Management Team, participate in overall organizational planning and problem solving; with the lending team, lead annual program work planning and budgeting; monitor outcomes and impacts and as needed and revise plans accordingly.
  • Coordinate with the Chief Financial Officer to oversee Mountain Associationís loan portfolio, monitor its overall health in a manner consistent with Mountain Associationís values, and develop and implement risk mitigation strategies as needed.
  • With Mountain Associationís President and development staff identify and assess potential new sources of grant funding, earned revenue and capital. Assist in the development of written proposals and reports as needed.

Relationship development

  • Supervise lending staff working across three Mountain Association offices. Mountain Associationís supervision focuses on empowerment with accountability, including supportive coaching, problem-solving, and other forms of direction and assistance.
  • Participate in relevant networks of community economic development and sustainable development practitioners across the state, region and country.
  • Work with Mountain Associationís Board of Directors and Loan Committee as needed.
  • Represent Mountain Association at conferences, events and functions when needed.


  • Practice safety in all aspects of the job.
  • Other duties as assigned.
  • Engage with and participate in the Mountain Associationís journey to increase diversity, equity, and inclusion both in our workplace and our work.

Minimum qualifications and characteristics:

Knowledge and experience:

  • Minimum of five years of experience working in lending or commensurate experience in a related field, including experience in the following: financial analysis; leading teams; skillfully and respectfully supervising the work of others; project design, planning and management, including budget responsibility; leveraging technology and data to drive results; and developing program strategy to align with organizational mission and goals.
  • Minimum of a four-year college degree in business, economics, community development, management, or a related field.
  • A demonstrated understanding of impact lending and just economic transition.

Personal characteristics:

  • Committed to innovative action, sustainable development, and economic, environmental, and social justice.
  • Willingness to travel for day and occasional overnight stays within the region.
  • Highly self-motivated, well-organized, attentive to detail, creative, able to work on multiple projects at once while setting clear priorities.

Technology and software:

  • Strong computer skills, in particular spreadsheets and word processing.


  • Strong writing skills and the ability to write clearly for a general audience.
  • Strong group facilitation skills and public speaking experience.
  • Strong interpersonal communication skills and the capacity to work constructively in teams.


  • Close vision with or without corrective lenses necessary for computer work.
  • Manual dexterity needed to operate a computer.
  • Able to perform assigned duties in a time-efficient manner.
  • Valid driverís license and ability to drive. Either insurability on Mountain Associationís group vehicle policy or access to a reliable vehicle for regular trips.
  • The Mountain Association is committed to complying fully with the Americans with Disabilities Act (ADA) and all later amendments, and will follow any federal, state or local law that provides individuals with disabilities greater protection than the ADA. Equal employment opportunity will be given to qualified persons with disabilities. Reasonable accommodation, as defined by applicable law, is available to all employees when a disability affects the employee’s performance of their job functions.

Preferred qualifications and characteristics:

  • Previous CDFI lending experience.
  • Significant knowledge of and appreciation for the Appalachian region.
  • Experience with commercial lending and capital-based programs.
  • Experience leading multi-site teams.
  • Experience living and/or working in rural places, especially Appalachia.
  • Masterís or similar advanced degree in a related field.
  • Experience as an entrepreneur or working with entrepreneurs.
  • Experience in accounting and spreadsheet development.
  • Experience with program evaluation.
  • Experience as a group facilitator.
  • Understanding of marketing.

Additional Information

This full-time position offers a competitive salary based on experience, with a generous benefits package. This positionís location is flexible between Mountain Associationís offices in Berea, Paintsville, and Hazard, Kentucky. The salary compensation for this position is $77,500 – $82,500, depending on experience. The Mountain Association is an equal opportunity employer. The Mountain Association is committed to principles of diversity and equity and encourages applications from all people.

Please e-mail your resume, contact information for three references, and a cover letter specifically explaining why you are a good fit for this position to lending.director@mtassociation.org. Please include the position title in the email subject. Review of applications will begin on October 28th and continue on a rolling basis until the position is filled. We wonít contact references until after interviews. The interview process will be conducted according to public health guidelines during the COVID-19 emergency, including the likelihood of remote interviews.

Because of the current public health emergency, at this time Mountain Association staff have the option to work in our office buildings if theyíre fully vaccinated and the option to work from home regardless of vaccination status. Please do not let childcare challenges related to the pandemic deter you from applying. We recognize that not everyone has access to childcare right now because of the pandemic, so we are open to a conversation about the hours worked at the start of this position if youíre not able to start full time.

Contact Information
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