Underwriting Non-ProfitOrganizationProfit Organization

Underwriting

the

Non-Profit

Non

Profit Organization

¡ªCathy

h Niederberger

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PNC Bank

1

Are you a Community Development Lender?

Introduction - Role of the Community Development Banker

? Traditional Lender

¡ª Business credit policies

¡ª Measurable goals

¡ª Easily booked deals

? Community Development Lender

¡ª CD lending credit policies

¡ª Measurable

M

bl goals

l

¡ª Involved early

¡ª Identifies potential partners

¡ª Manages

M

internal

i t

l expectations

t ti

2

What are ¡°typical£¢ Community Development Non-Profits?

Assuming it serves primarily low or moderate income

people, the NPO may focus on

? Arts and Culture

? Physical Neighborhood Revitalization

? Social

S i lS

Services

i

? Child or Elder Care

? Education

? Health Care

? C. D. Finance (CDFIs)

? Faith-Based Activities

3

What is a ¡°501 ( c ) (3)£¢?

Internal Revenue Code Section

? To qualify

q alif for

fo ta

tax e

exempt

empt stat

status

s NPO must:

m st

¡ª Be organized and operated exclusively for religious,

educational, scientific, or other charitable purposes

¡ª Not participate or intervene in political campaigns

¡ª Not engage in illegal activities or violate fundamental public

policy

4

What Should I Know About This NPO?

What is included in Qualitative Analysis of an NPO?

? Type of Organization

? Mission or affiliation

? Formation and History

? Leadership including key management, staffing, Board of

Directors

? Mission, activities, tracking results and community impact

? Membership Demographics

? By-Laws

? Reputation

? Critical Issues

? Infrastructure

5

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