Job Description
Management Consultant - Tennessee and Mississippi
In this position the Management Consultant will be housed in Memphis, TN and will travel western Tennessee and northwestern Mississippi to provide intensive management consulting services on-site with small business clients.
Specific responsibilities include:
Additionally, you will have the opportunity to participate in other programs offered through alt.Consulting and to help shape our growth and future.
Qualifications include:
Please email resumes to This e-mail address is being protected from spambots. You need JavaScript enabled to view it. .
Job Description
Loan Officer
Location: Pine Bluff, Arkansas
Must be willing to travel throughout target market
Job Description
alt.Consulting is a Community Development Financial Institution (CDFI) providing busienss development services and microloans to small businesses. Our target market is minority and rural busiensses located in designated Delta counties of Arkansas, Tennessee and Mississippi.
We are seeking a Loan Officer who will work with the Loan Fund Manager to expand and grow the loan program throughout our target market. The position is in Pine Bluff, Arkansas and requires travel throughout our target market.
Job Responsibiltities include:
Qualifications:
Benefits: Medical, Dental, and Retirement
alt.Consulting is an equal opportunity employer and does not discriminate on the basis of race, creed, religion, gender, sexual orientation or veteran status.
Obras alt.Consulting con propiedad de minorías, propiedad de mujeres rurales y las empresas con sede enla región del Delta del este y el sur de Arkansas, Mississippi del Norte, Tennessee y occidental.
alt.Consulting, un 501c3 sin fines de lucro, ofrece a medida, en el sitio de asistencia de dirección a precios asequibles para las empresas en las comunidades de bajos recursos.
alt.Consulting sirve como un catalizador en el crecimiento, mantener y educar a los proyectos empresariales que resulta en la riqueza y el justo salario creación de empleo en las minorías y las comunidades rurales.
Your Credit Score
Know it – Control it!
What is your credit score? Why is your personal credit score important to your business?
Whether you are trying to buy a car, a new home or borrow money for your business, the first thing any lender will do is to pull your personal credit report. To a lender that report tells a lot about you.
A low credit score can prevent you from securing a loan. In some cases, your credit score may be high enough to get the loan but be considered a “credit risk”, which means that you will be charged a correspondingly higher interest rate.
Don’t wait until you need a loan to know what your credit report says. Take steps now to make sure your credit report is accurate.
Below are the top 5 causes of credit problems and the reasons you need to check your credit report regularly.
1. Payment history – Have you had some late payments or slow payments? Have you talked to your lender to explain them and asked for an extension? Have you experienced some problem that made you late? Be prepared to explain proactively the reasons for problems paying your creditors.
2. Errors and mixed files – Your report can have errors related to payments not credited, late payments or information mixed in from someone with a similar name. Many of these errors are fairly easy to correct but you have to review your credit report to know about them.
3. Inquiries – When creditors check your credit, it places an inquiry on your report. If you have too many inquiries, particularly in a short time, it is viewed as a negative by lenders, and it can lower your credit score.
4. Identity theft – Don’t assume it cannot happen to you. More than 90,000 credit identities are stolen each year and on average it takes 18 months for a person to realize their identity was stolen. If yours is stolen, you are responsible for clearing things up with creditors and credit bureaus.
5. Credit fraud – If someone steals your credit card or your account number and makes unauthorized charges to your account, you are not responsible financially for the abuse but it does affect your credit score.
So, you have a few problems or your score isn’t very good. Now what? First and foremost, don’t ignore the problems.
• When you talk to lenders, explain the problems upfront. Even if you do not get the loan, you will establish a good relationship and can go back to that lender when you have made the changes and improved your score.
• Ask for help but be realistic! Beware of anyone who claims they can repair your credit quickly (and usually for a fee). Repair takes time. Below are some good resources:
o Consumer Credit Counseling is a program of Family Service Agency. They provide free and confidential budget, credit, debt and housing counseling and they have offices in Arkansas, Mississippi and Tennessee. You can reach them at: Arkansas 501-753-0202 Memphis, TN 901-323-4909 Mississippi 662-536-4931 Toll-free 800-255-2227 www.helpingfamilies.org
o Southern Good Faith Fund offers credit counseling at: Pine Bluff, AR 870-535-6233 ext. 23 Helena-West Helena 870-816-1126 Toll-free 888-323-6233 ext 23 www.southerngoodfaithfund.org
• You are entitled by law to one free copy of your credit report from each of the three major credit bureaus once a year. Only one website is authorized to fill orders for the annual credit report you are entitled to – www.annualcreditreport.com. Beware of sites that claim to offer free reports but either have strings attached or fees.
• Always address non-payment status with any creditor first and foremost as this is the most detrimental to your score. If the entry on your credit report is correct, call the creditor or collection agency and set up an affordable payment plan. Once you have made regular payments, ensure that the status is changed to reflect the new payment.
Understand your credit report, take steps to improve your credit, be prepared to discuss any blemishes you may have on your report with a potential lender.
Article written by:Deborah SlaytonDevelopment Directoralt.Consulting
