Business Lender II

Company: Partner Community Capital

Location: Charleston, WV

Job Function: Lending/Loan Operations


About PCAP:

At Partner Community Capital, we help small businesses get the capital and other resources they need but can’t access. We deliver flexible, empowering loans to borrowers in underserved communities, and we connect clients to strategic advisory services so they can make the best use of our capital.

As a certified Community Development Financial Institution (CDFI) we focus on locally owned, environmentally responsible small businesses because they employ and build wealth for entrepreneurs, their families, and their communities.

Partner Community Capital, a Non-Profit Corporation, is an Equal Opportunity Employer who fully and actively supports equal access for all people regardless of Race, Color, Religion, Gender, Age, National Origin, Veteran Status, Disability, Genetic Information or Testing, Family and Medical Leave status, Sexual Orientation and Gender Identity or Expression. Partner Community Capital prohibits retaliation against individuals who bring forth any complaint, orally or in writing, to the employer or the government, or against any individuals who assist or practice in the investigation of any complaint, or otherwise oppose discrimination.


Are you an experienced Business Lender seeking a non-traditional lending opportunity and a chance to work for a non-profit organization/CDFI that helps small businesses obtain the funds necessary to succeed?

Partner Community Capital (PCAP) is looking for an experienced Business Lender to join their growing organization and team! As the Business Lender for the West Virgina market, you will be responsible for prospecting loan opportunities, conducting due diligence on requests for credit, summarizing requests for financing in a credit memo which addresses strengths and weaknesses of request and presents credit requests for approval. This position is required to travel up to 50% of the time, with minimal overnight travel; the WV Business Lender II covers approximately 22 counties across the southern West Virginia region.

The WV Business Lender II reports to the SVP & Central Appalachian Market Manager.


  • Works with SVP & Central Appalachian Market Manager on business development and strategies for their assigned states.
  • Builds a pipeline and successful portfolio of small businesses that meet PCAP’s mission.
  • Meets or exceeds annual lending goals.
  • Maintains acceptable write off and delinquency ratios for loans originated.
  • Prospects for loan opportunities from multiple sources, including lending institutions; community economic development organizations; and sector-specific organizations and associations.
  • Markets and represents PCAP to a range of audiences at conferences, in one-on-one meetings, and in the media; seeks opportunities to serve the community on committees and boards.
  • Evaluates loan requests and applications to determine fit with PCAP’s investment strategy and overall portfolio.
  • Conducts due diligence, utilizing PCAP’s underwriting guidelines and financial analysis software to evaluate a company’s credit worthiness.
  • Writes investment recommendations with proposed terms and conditions and presents them to PCAP Investment Committees; negotiates final terms and conditions of investment with the applicant, upon approval.
  • Monitors the financial and organizational health of borrowers, through analysis of company financial statements and annual site visits; recommends follow-up actions and restructuring loans when necessary.
  • Assists the Chief Lending Officer and Chief Credit Officer in continuously improving PCAP’s underwriting and loan/investment policies and practices; operating practices; and marketing and outreach practices and materials.
  • Performs other related duties as assigned.


Bachelor’s degree from an accredited college or university in Business Administration, Finance, Accounting, Community Development, or closely related field and four (4) to six (6) years of experience in small business lending, assistance, or management with commercial loan underwriting responsibilities. An equivalent combination of education and experience may be considered and substitute for lending experience as well as the performance and volume of loans originated in current and prior lending positions.

Our ideal candidate will have financial knowledge and a strong understanding of balance sheets, income statements, cash flow analysis, and loan underwriting; as well as a strong commitment to positive environmental change and economic improvement for disadvantaged communities and individuals.

Compensation and Benefits

The salary range is $71,000 to $95,000, commensurate with experience. This is a full-time, hybrid position; candidates must be within a commutable distance to PCAP’s Charleston, WV office.

PCAP offers a generous slate of benefits including medical, dental, vision, life, short-term, and long-term disability insurances, 403(b) retirement, Flexible Spending Account (medical and dependent care), paid time-off and holidays, and professional development, as well as other benefits and perks.

How to Apply