Location:

In-office at SELF headquarters in Fort Pierce, FL, with flexibility for one remote day per week. Relocation assistance provided.

About SELF:

SELF is a national award-winning non-profit Community Development Financial Institution (CDFI) and the nation’s first local Green Bank with a mission to empower communities by providing access to affordable capital for economic and climate resilience. Founded in Florida in 2009, SELF helps homeowners, landlords, developers, contractors, and small businesses transition toward an inclusive clean energy economy. SELF has deployed over $60 million in loans for roughly 6,000 green projects, leveraging more than $120 million in total project cost. Through its Plug and Play turnkey lending platform, SELF now operates in 17 states and D.C. with 13 lending partners. A position with SELF provides enormous career growth opportunities in an exciting work environment while doing work that matters. We encourage all interested candidates to apply, even if you don't meet every requirement listed. The right person for this role may bring strengths we haven't anticipated.

Position Overview:

The Chief Credit and Lending Officer (CCLO) is a senior executive responsible for the strategic direction, performance, and risk management of all SELF lending activities. SELF offers a full spectrum of lending products, including home improvement and energy efficiency loans for homeowners, residential rooftop solar financing, predevelopment and construction loans for emerging housing developers, gap financing for affordable housing and commercial solar projects, and commercial solar project finance. The CCLO will have hands-on operational responsibility for loan production, underwriting quality, portfolio performance, compliance, and team leadership across all of these programs.

This is not a delegator role. The CCLO must bring deep, practical lending experience across multiple asset classes, from unsecured consumer credit through secured construction and commercial loans. The right candidate can personally evaluate a credit memo, run a risk projection, structure a participation loan, and coach a loan officer on pipeline management. They understand the differences in underwriting standards, collateral requirements, and regulatory frameworks across consumer and commercial lending, and can apply that knowledge to make sound decisions daily.

The CCLO reports directly to the CEO, serves as a key liaison to the Board of Directors, and is a member of SELF’s executive leadership team.

Lending Strategy & Production

•       Set the strategic direction for all SELF lending activities, ensuring alignment with the organization’s mission, strategic plan, and annual production goals across consumer and commercial programs.

•       Establish annual lending production goals by program and asset class for approval by the CEO and Board.

•       Oversee loan origination, underwriting, closing, and servicing operations across all lending programs, ensuring consistency, quality, and efficiency.

•       Conduct credit analysis and underwrite or review complex transactions, screening for creditworthiness and mission impact.

•       Analyze pricing, product design, and viability across all loan products.

•       Assess the competitive landscape across SELF’s lending verticals and identify opportunities to differentiate on pricing, speed, terms, or borrower experience.

•       Drive growth strategy for consumer lending across Southeast direct markets and support the consumer lending team in managing SELF’s contractor network as the primary origination channel.

•       Collaborate with senior management to maintain adequate liquidity and capital availability to meet strategic lending goals.

Financial Analysis & Risk Management

•       Run financial projections, portfolio stress tests, and risk analyses to inform lending strategy and capital allocation decisions.

•       Proactively monitor portfolio quality across all asset classes, including delinquency, default, loss rates, and concentration risk.

•       Administer portfolio composition to balance risk across programs and meet strategic plan goals.

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