Requirements Summary:2+ years financial analysis experience; degree in finance/economics/accounting; strong Excel and financial modeling; knowledge of financial reporting; government finance exposure; strong communication.
The Howard County Economic Development Authority (HCEDA) is seeking a self-motivated and detail-oriented individual to support its business finance functions particularly in the areas of loan financial analysis, borrower relations, and loan health forecasting. This individual will join an elite team that specializes in providing exemplary support and service to the Howard County business community. In this role, the individual will track financial performance of loans, conduct financial research on loan applicants, prepare reports, support and collaborate with the Director of Business Finance and offer strategic recommendations optimizing resource allocation for public and private sector projects.
DUTIES AND RESPONSIBILITIES
Underwrite all loan applications
Present all loan requests to the Incentives Committees for approval
Review of potential loan recipients’ financial documents
Analyze variances in the trial balance and report changes to management
Responsible for all processes and procedures: Loan booking to servicing (all business finance programs)
Hold discovery calls with loan applicants and recipients
Develop, cultivate, and foster relationships with loan holders
Analyze and monitor loan statuses
Track and analyze financial growth of the loan holders’ companies via tax returns
Complete bank reconciliations
Draft and edit meeting minutes for board member approval
Complete debt recovery documents
Draft loan closing documents
Draft payoff statements and periodic balance statements for loan holders
Assist loan holders with general inquiries regarding their loans
Assist in any special projects or new finance programs as needed
Strive to achieve business finance goals as set forth each fiscal year
REQUIRED QUALIFICATIONS
Bachelor’s degree in finance, economics, accounting, or related field.
2+ years of experience in financial analysis, budgeting, or forecasting.
Strong proficiency in Microsoft Excel and financial modeling.
Knowledge of financial reporting and analysis tools.
Familiarity with public finance or governmental accounting.
Excellent communication and presentation skills.
Desired Characteristics
Well-organized with keen attention to detail
Strong communication skills with demonstrated ability to effectively communicate with clients
Team oriented
Ability to prioritize multiple projects in a fast-paced environment
Comfortable with learning new systems and technologies
Analytical mindset with strong problem-solving abilities.
Detail-oriented and organized.
Ability to work independently and collaboratively in a team environment.
Strong interpersonal skills for working with diverse stakeholders.
Adaptability and willingness to learn in a fast-paced environment.
PREFERRED QUALIFICATIONS
5+ years of relevant experience
Master’s degree in finance, economics, or a related field.
Experience working with Economic Development Authorities or public sector organizations.
Certification (e.g., CFA, CPA, or CFM).
Experience with public-private partnerships or grant funding analysis.
HCEDA is an Equal Employment Opportunity Employer, and we are committed to a workplace that values diversity, equity, and inclusion. HCEDA prohibits discrimination on the basis race, color, religion, age, sex, ancestry, creed, national origin, disability status, genetics, marital status, military service, sexual orientation, gender identity/expression or any other characteristic protected by federal, state, or local laws