Lending & Program Analyst, Habitat Capital

Company: Habitat for Humanity International

Location: Atlanta, GA

Job Function: Lending/Loan Operations


About Habitat for Humanity

Habitat for Humanity, founded in 1976, is a global, Christian-based nonprofit organization that grew out of an intentionally multi-racial community in rural Georgia. Seeking to put God’s love into action, Habitat brings together people of all faiths and people of no faith to build homes, communities and hope. Working alongside each other, we help families and individuals build and improve places to call home and achieve the strength, stability and self-reliance they need to build better lives for themselves. Habitat seeks individuals who have a willingness to affirm these principles and values.

At Habitat for Humanity International, we embrace a history rooted in creating equity and take our mission seriously by courageously committing to a culture and workplace where all staff feel safe, welcome, visible, respected, supported and valued. As an equal opportunity employer, we realize that our success depends upon building an inclusive workforce of diverse perspectives and encourage people of varied races (which is inclusive of traits historically associated with race, including, but not limited to, protective hairstyles and hair texture), ethnicities, national origins, tribes, religions, ages, gender identities and expressions, genders, sexual orientations, marital statuses, disabilities, veteran/reserve national guard statuses, socio-economic statuses, thinking and communication styles to work with us.

We also require that all staff take seriously their ethical responsibilities to safeguarding our intended beneficiaries, their communities (especially children), and all those with whom we work. In line with the prevention of sexual exploitation and abuse, all staff must pass a thorough background screening and will be held accountable to upholding our policies around ethical behavior, including safeguarding and whistleblowing.


Habitat for Humanity International (HFHI) is seeking a motivated Lending & Program Analyst to join and support Habitat Capital (HCAP), a nationally certified Community Development Financial Institution (CDFI), certified in 2017. Habitat Capital (formerly known as Habitat Mortgage Solutions LLC) is a wholly-owned entity of HFHI and was created to serve our more than 1,000 US-based Habitat for Humanity affiliates. HCap provides an array of financial services and products to Habitat affiliates to support their work as affordable mortgage originators, real estate developers, homebuilders, sellers, and partners for housing and community solutions. To date, HFHI and HCap has provided over $400MM in capital to its US domestic affiliate network via unsecured enterprise-level, secured project-level, bridge and structured financing for affordable housing and community development projects as well NMTC allocation for homeownership initiatives. Additionally, HCap seeks to develop and provide permanent mortgage financing products. HCap values creativity and flexibility in developing financial products for our customers and working with capital partners who share our mission.

This position is strongly preferred to be based at our headquarters office in downtown Atlanta (Remote considered) and involves up to 10% travel within the US. This is a 2-year program with the potential for a 3rd year, to be evaluated at the end of the 2nd year.

About the Program and Role
The HCap Analyst Program (“the Program”) is a new intentional effort between HFHI and Habitat Capital to recruit and train early-stage professionals to succeed in mission-driven financial services roles. In this two-year program, participants will support HCap’ efforts to attract and deploy capital to create and increase the production of affordable housing and greater community development across the US. The Analyst will possess and develop strong financial, entrepreneurial, program management and analytical skills while providing communications and research to advance housing and community development initiatives and support broader strategic initiatives and operations.

Reporting to the Associate Director of Lending & Program Management, the Analyst’s primary responsibilities will include supporting business development, loan origination, research and analysis, marketing and communications, impact measurement and reporting, providing client services and supporting new programmatic initiatives.

Participants will receive training designed to foster mission-alignment, understanding of the housing and community development finance sectors, development of technical skills, and other ongoing enrichment. The Program is committed to diversity and inclusion and encourages diverse candidates to apply.


Business Development & Loan Origination

  • Assists in the development and execution of HCap’s business development strategy.
  • Supports pipeline development and management by identifying and responding to new business opportunities.
  • Support the coordination of deal lifecycle from prospecting through closing – manage timelines, loan intake and due diligence collection/review, update loan management system and closing checklists.
  • Prepares and attends customer and partner meetings and assists with follow-up.
  • Interface with various third parties, including partners, legal counsel, investors and consultants.
  • Co-develop and maintain accurate customer and deal pipeline lists, correspondence in loan management systems.
  • Support content creation and preparation of marketing and communication collateral.

Research & Analysis

  • Conduct and support financial assessment, due diligence and project feasibility assessment for potential borrowers.
  • Support the preparation and presentation of investment committee memorandums for approvals.
  • Support the creation and analysis of models, charts, tables, templates, maps and other resources related to lending and programmatic initiatives.
  • Conduct research and written analysis on current and prospective clients, partners, programs, specific geographies or sectors to support HCap capital raising (i.e., funding proposals) and deployment efforts.
  • Conduct market research, portfolio and impact data analysis related to historical and future lending work in advancing affordable homeownership and racial equity.
  • Prospect and research funding sources, policy issues, legislative and budget updates relevant to CDFI, housing and community development industries.

Program Management & Operations

  • Develop presentations and reports for internal and external audiences as well as support training and educational materials for current and prospective clients and partners.
  • Data collection and programmatic/impact reporting for federal and private programs.
  • Engage in corporate-wide projects connected to programmatic initiatives and communication efforts (e.g., racial equity commercial lending strategy, climate resiliency, property acquisition fund, etc.).
  • Support the maintenance of databases, loan systems, webpages, manuals, files and other records as assigned.
  • Other special projects/task as assigned.


  • An undergraduate degree required in a related field.
  • 2+ years of relevant experience (including internships), preferably in affordable housing, community development, finance, real estate development, nonprofit management or similar.
  • Familiarity with or interest in CDFI lending, tax credits, impact investing and/or mortgage financing.
  • Technical experience building models and data analysis.
  • Fluency with Microsoft Office Suite (Excel, Word and PowerPoint)
  • Active support of HFHI Values:
    • Humility – We are part of something bigger than ourselves.
    • Courage – We do what’s right, even when it is difficult or unpopular.
    • Accountability – We take personal responsibility for Habitat’s mission.
  • Safeguarding: HFHI requires that all employees take seriously their ethical responsibilities to safeguarding our intended beneficiaries, their communities, and all those with whom we work. Managers at all levels have responsibilities to support and develop systems that create and maintain an environment that prevents harassment, sexual exploitation and abuse, safeguards the rights of beneficiaries and community members (especially children), and promotes the implementation of Habitat for Humanity’s code of conduct.

Compensation and Benefits

The target hiring range for this position is $62,560 – $69,920 per year. For work locations in the US, the salary range for this position is between $58,900 – $88,300 per year.

The actual salary offered for this role will be based on a variety of factors, including location, internal equity and the candidate’s qualifications and professional experience. HFHI offers a competitive, comprehensive benefits package that varies by country and typically includes vacation leave, sick leave, personal days, health insurance options, retirement plan contributions and life insurance.

How to Apply

If interested, please visit our career page at https://www.habitat.org/about/careers/lending-program-analyst-habitat-capital-9296br to fill out the online application.

Habitat for Humanity International is an Equal Opportunity Employer.