Credit and Portfolio Analyst

About Habitat Mortgage Solutions:

Habitat for Humanity International’s (HFHI) domestic impact investing vehicle, Habitat Mortgage Solutions, (HMS), aims to catalyze capital for affordable housing finance and related products and services for underserved people and communities throughout the United States. HMS is a nationally certified Community Development Financial Institution (CDFI) created to serve our more than 1,100 US-based Habitat for Humanity affiliates. Core functions of HMS include its operation as a loan fund and its management of Habitat’s New Markets Tax Credit (NMTC) program. Through its commercial lending and NMTC investments, HMS provides an array of financial services and products to Habitat affiliates to support their operations as nonprofit businesses and the programmatic work as real estate developers, affordable mortgage originators and sellers, and community builders and stabilizers. To date, HFHI has provided over $400MM in structured credit financing and NMTC investments to its affiliates across the country.

As a wholly owned entity of HFHI, Habitat Mortgage Solutions is small but nimble and passionate team of accountants, program managers, business analysts, attorneys, ex-bankers, mortgage experts, policy researchers, urban planners who bring unique talents to our mission.

HFHI is currently undergoing a diversity, equity, and inclusion organizational change process which will inform and leverage HMS’ efforts to advance racial equity and increase Black homeownership. We are seeking candidates who share a commitment and are prepared to engage in that work.

About the Role:

Habitat for Humanity International (HFHI) is seeking a talented professional for the role of a Credit & Portfolio Analyst. This individual will join and support Habitat Mortgage Solutions’ (HMS) efforts to attract and deploy capital for the preservation and production of affordable housing. Reporting to the Associate Director of Credit & Portfolio Management, the Analyst’s primary responsibilities will include financial analysis and modelling, transaction underwriting, portfolio management, investor relations, marketing and communications, and supporting new programmatic initiatives.

This 2-year Analyst position is a new intentional effort between HFHI and HMS to recruit and train early-stage professionals to succeed in mission-driven financial services roles. Analysts 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. This position has potential to be extended to a 3rd year, to be evaluated at the end of the 2-year term.

This position is strongly preferred to be based at our headquarters office in downtown Atlanta and involves up to 10% travel within the US.

This opportunity is a 2 year position.

Key Responsibilities:

Loan Origination and Underwriting

- Conduct credit analysis, due diligence and structuring for new loan transactions.
- Financial statement analysis.
- Project-level analysis and diligence.
- Impact analysis.
- Term sheet creation.
- Support the creation of written investment memo for internal investment committee.
- Interface with multiple internal and external parties to support all aspects of deal lifecycle from prospecting through closing.
- Conduct financial modelling of new financial products that are innovative, socially responsible, fiscally responsible and attractive to the investing community.

Portfolio Management

- Monitor and provide analysis on the existing CDFI loan portfolio.
- Identify at-risk loans.
- Ensure compliance with loan level covenants.
- Track and maintain updates to portfolio composition.

Loan modifications

- Oversee monthly, quarterly and semi-annual reporting requirements, collateral substitutions and loan prepayments.
- Support investor financial and impact reporting requirements.
- Interface with trustees, paying agents and internal finance to ensure timely and accurate satisfaction of debt service obligations.

General Operations

- Develop investor and management presentations and reports as well as support training and educational materials for HFHI affiliates.
- Prospecting and research in support of broader strategic initiatives and new products and programs.
- Financial modelling and budgeting support.
- Assist in the preparation and submission of funding proposals for federal and private programs.
- Other special projects/task as assigned.

Successful Analysts will:

- Thrive in a high-growth, fast-paced environment, with the ability to be flexible and navigate ambiguous situations.
- Exercise excellent time and task management skills.
- Work efficiently within a team structure.
- Be able to build strong and effective relationships with a variety of stakeholders with diverse experiences and backgrounds.
- Communicate in a clear, compelling, and accessible manner.
- Be comfortable playing a support role and taking the lead when asked.
- Exhibit a high level of individual accountability; and embody HFHI’s values in all tasks and responsibilities.
- Be passionate about HFHI’s mission to support affordable housing and homeownership.

Key Requirements:

- Undergraduate (required) and Graduate degree (preferred) in Business, Real Estate, Urban Planning, Finance or related field.
- 2-4 years of relevant experience analyzing financial statements, preferably with a CDFI, nonprofit or similar organization in finance, affordable housing and/or the community development.
- Product Knowledge: Familiarity with, or interest in learning about, CDFI lending, New Markets Tax Credits, impact investing and/or mortgage financing or previous fixed income experience.
- Technical Experience: Financial modelling experience and proficiency with Microsoft 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.


- Loan Underwriting and Credit Analysis experience.

Atlanta, GA
Job Type:
Full-time - Salaried
Employment Type:
US Employment
Job Function:
Finance / Accounting, Strategy
Apply now

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, 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.