Accion Opportunity Fund

Vice President

• Oversee the credit approval process, as well as portfolio monitoring systems for all current and future credit products.
• Ensure that credit policies are routinely reviewed, modified as necessary, and well-communicated throughout the organization.
• Provide ongoing evaluation of existing systems (e.g., alternative data and modeling technologies, including predictive underwriting engines, credit risk management models, anti-money laundering/anti-fraud controls, and fair-lending compliance tools).
• When appropriate, evaluation, selection, and implementation of new systems to ensure that all policies and procedures are of the highest integrity and consistency.
• Ensure that AOF’s credit policy, models and underwriting process is as effective and predictable as possible – combining algorithms, scorecards and automated criteria with appropriate and thoughtful human and judgmental intervention while maximizing the small business borrower experience.
• Maintain ongoing focus and support for AOF’s credit culture for all units that touch any aspect of the credit process in the current small business lending functions, which includes credit policy, risk modeling/scoring, underwriting, and collections.
• In the future, lending may be expanded to other verticals, including SBA, consumer and mortgage lending for our target customers.
• Ensure that allowance for credit losses using CECL and the charge-off process and procedures are consistent with industry best practices and meet current and anticipated accounting and regulatory guidelines.
• Ensure that systems of internal controls and procedures are consistent with the highest standards in the industry and are appropriate for all regulatory requirements.
• Ensure that all loan systems and tracking techniques provide the appropriate data to credit risk management, underwriters, management, the Credit Risk Committee and the Board of Directors, to allow for accurate assessment of loan quality and risk management.
• Provide overall loan portfolio management analysis and oversight to ensure that AOF’s asset quality meets stated objectives and that the emphasis of AOF’s overall credit policy management and scoring models are consistent with AOF’s underwriting standards.
• Support healthy diversification of the loan portfolio by establishing sound credit policies and proper training of underwriters, small business lenders (e.g., future relationship managers), loan managers/processors and credit advisors, enlisting a proactive approach to engaging multiple constituencies in partnership.
• Maintain a keen awareness of competitors’ activities, their credit practices, and of overall industry best practices.
• Serve as AOF’s liaison and coordinator when necessary to regulators, auditors and other external constituents regarding the organization’s credit management disciplines, loan quality and lending activities.
• Maintain knowledge of applicable state and federal lending and compliance laws and regulations and implement appropriate policies, procedures, and controls.
• Work with the SVP of Operations to manage loan delinquencies and loan servicing performance and facilitate appropriate strategies and procedures to ensure that delinquencies and defaults are effectively managed and reported to the Credit Risk Committee, ETeam, and the Board.
• Effectively manage direct reports by hiring, mentoring, coaching, counseling, training, and disciplining, as appropriate.
• Ensure direct reports’ performance reviews are completed in a timely, fair, and accurate manner.
• Coordinate comprehensive due diligence of sellers, servicers, and loan assets and/or loan participations prior to purchase to protect AOF and diversify credit and collateral risks in the overall portfolio.

VP, Credit Risk – Policy

Controller

• Reporting to VP, Controller, the Assistant Controller serves as a key deputy to the Controller, with broad responsibility for the organization’s accounting operations, financial reporting, regulatory compliance, and the small business lending function.
• Beyond overseeing day-to-day accounting and reviewing the work of accounting and finance staff, this position owns the integrity of the general ledger, leads the preparation and review of financial statements and regulatory filings — including the credit union Call Report — and manages the loan operations of the small business lending program from origination through servicing.
• This position plays a central role in designing, implementing, and monitoring internal controls, serves as the primary liaison between the lending operation and the accounting function, and partners closely with the Controller on audit, technical accounting, and process improvement.

Assistant Controller

Collection Specialist

• Manage a portfolio of distressed commercial transportation and small business loans, ensuring proactive recovery strategies and timely resolution of delinquencies.
• Supervise assigned accounts to identify unresolved debts, prioritize high-risk exposures, and document all actions in the system of record.
• Research and analyze borrower histories, collateral values, payment trends, and prior collection efforts to develop targeted recovery plans.
• Conduct detailed analysis of financial statements, collateral documentation, and repayment capacity for restructuring, forbearance, or settlement options.
• Manage voluntary surrender process for commercial transportation assets, including coordinating with borrowers, securing equipment, and processing documentation in accordance with company and regulatory requirements.
• Communicate with Punjabi-speaking customers to facilitate collections, explain repayment options, and provide culturally responsive service throughout the recovery process.
• Prepare, analyze, and distribute monthly collection and recovery performance reports for management review.
• Maintain call quality and productivity metrics consistent with departmental standards.

VP, Credit Risk – Policy

Assistant Controller

Senior Collection Specialist