CDF Deputy Director and Lending Officer

Company: National Community Reinvestment Coalition (NCRC)

Location: Washington DC, DC

Job Function: Finance


The National Community Reinvestment Coalition is a network of organizations and individuals dedicated to creating a nation that not only promises but delivers opportunities for all Americans to build wealth and live well. We work with community leaders, policymakers and institutions to advance solutions and build the will to solve America’s persistent racial and socio-economic wealth, income and opportunity divides, and to make a Just Economy a national priority and a local reality. This vision is the foundation of the Just Economy Pledge.

NCRC’s unique mix of research, investigations, investments, media, grant-making, training, advocacy, litigation, lending, convening and facilitation strengthens communities of historic disinvestment, expands economic mobility, holds public and private institutions accountable for their impacts, and informs local and national leaders, policymakers and the private sector.


Reporting to the Executive Director, the Deputy Director and Lending Officer (DDLO) is responsible for overseeing and managing the NCRC Community Development Fund (NCRC CDF) lending operations. As a key member of the NCRC CDF management team, the DDLO will play a critical role in shaping the lending strategy, driving growth, and ensuring the overall success of the small business lending portfolio. The DDLO will be responsible for designing and executing strategic lending objectives within the small lending program to reach more entrepreneurs with a history of underrepresentation. The DDLO will also provide input into all aspects of the organization’s strategy, focusing on expanding and enhancing its lending activities to address the barriers and inequities faced by underrepresented small business owners.



Commercial Lending Origination and Underwriting

  • Provide leadership, management, and vision necessary to ensure lending operational processes and procedures have the proper controls and administrative and reporting protocols to grow the organization while remaining compliant with outside agency requirements.
  • Defines the vision for short-term and long-term loan production, growth, and service objectives.
  • Develops the strategy, tactics, and performance goals to achieve targeted financial results.
  • Evaluate and refine the credit model, including inclusive underwriting and loan loss risk rating criteria, keeping company standards in mind.
  • Build processes and develop a team to enhance underwriting capabilities, focusing on automation and scaling.
  • Develop and administer a comprehensive training program for contractors, staff, and new hires that encompasses the lending process.
  • Builds a high-performance team with an emphasis on coaching and professional development.
  • Ensure lending operations processes are current, complete, and compliant
  • Collaborate with CDF colleagues when appropriate to develop and implement plans for the operational lending infrastructure of systems, processes, and personnel designed to accommodate the rapid growth objectives of NCRC CDF.
  • Oversight and management of origination, processing, and underwriting activities, including:
    1. Financial analysis and review of all initially qualified opportunities
    2. Review of relevant diligence materials
    3. Conduct or supervise diligence calls with prospective borrowers
    4. Evaluate key strengths, risks, and mitigating factors
    5. Prepare and present an analysis of the potential borrower’s historical performance and future expectations
    6. Prepare an internal memorandum of findings/recommendations for review by the Loan Committee
    7. Perform tasks necessary to close the transaction, including final due diligence and preparation of loan documents
    8. Maintain and update borrower data and deal status in CRM and online underwriting and servicing platforms
    9. Leverage technology platform ensuring internal and borrower adoption throughout the entire loan lifecycle
  • Supervise small business lending team, including internal and third-party support. In this position, you will be a player/coach, as you will also be handling some transactions directly.

Small Business Portfolio Management

  • Lead monthly servicing meetings for existing borrowers covered by the team
  • Lead quarterly loan portfolio review, including loan risk assessment
  • Management of underperforming companies, including overseeing ongoing performance issues and reporting on remedial actions
  • Proactive management for follow-on opportunities

Program Development and Implementation

  • In collaboration with the Executive Director and NCRC CDF management team, guide the development of annual small business programmatic work plan and performance goals, consistent with NCRC CDF’s strategic plan and other guiding documents and priorities.
  • Oversee and guide the annual work plan implementation and successful and timely completion of performance goals.
  • Support the development of new initiatives and manage existing programs and commitments.
  • Supervise NCRC CDF staff as assigned.

Financial and Performance Management

  • Understand, develop, and maintain NCRC CDF’s internal operating systems and practices to drive efficiency, deliver on our commitments to internal and external partners, and ensure that all related deadlines and objectives are met.
  • Work with the Executive Director and team to develop financial and program performance management tools to support our programs and strategies.
  • Assist the Executive Director in preparing and managing annual operating/program budgets and reports.

Additional Responsibilities

  1. Effectively navigates internal and external demands and priorities.
  2. AS NEEDED, represent NCRC CDF and the Executive Director at meetings, events, and conferences.
  3. Participate in NCRC Annual Conference, meetings, and activities as required.
  4. Periodic travel and evening and weekend work are required.
  5. Support the Executive Director as needed.


  1. Analytical: Synthesizes financial information or diverse information.
  2. Problem-solving: Identifies and resolves problems promptly and gathers and analyzes information skillfully.
  3. Oral communication: Speaks clearly and persuasively in positive or negative situations, demonstrates group presentation skills, and conducts productive meetings.
  4. Leadership: Inspires and motivates others to perform well and accepts feedback from others.
  5. Quality management: Looks for ways to improve and promote quality and demonstrates accuracy and thoroughness. Participates in the development of financial procedures to codify/strengthen internal controls.
  6. Planning/ organizing: Prioritizes and plans their work activities, uses time efficiently, and develops realistic action plans.
  7. Judgment: Displays willingness to make decisions, exhibits sound and accurate assessment, and makes timely decisions.
  8. Safety and security: Observes safety and security procedures and uses equipment and materials p



  • Bachelor’s degree required. Advanced degree or experience preferred.
  • Bilingual in Spanish is strongly preferred.
  • Proven experience (7+ years) in a senior leadership role within lending operations, with a strong track record of success.
  • In-depth understanding of lending products, credit risk assessment, underwriting, and loan servicing.
  • Thorough knowledge of lending regulations, compliance requirements, and industry best practices.
  • Exceptional analytical, problem-solving, and decision-making skills.
  • Strong interpersonal and communication skills, with the ability to interact effectively with internal teams and external partners.
  • Strategic mindset with the ability to develop and execute lending strategies that drive growth and mitigate risks.
  • Leadership experience in building and managing high-performing teams.
  • Proficiency in financial analysis tools, data management, and lending software systems.
  • Ability to work with large data sets and adept at leveraging technology options to support the needs of the business efficiently
  • Comprehensive understanding of banking systems and products
  • Excellent interpersonal skills; ability to collaborate and communicate with internal and external stakeholders.
  • Reliable and trustworthy; ability to demonstrate high discretion and maintain confidential information.
  • Proficient in Microsoft Office (Word, Excel, and PowerPoint); ability to learn other technology platforms.
  • Demonstrated supervisory experience successfully coaching and empowering staff and building accountable teams.
  • Experience with CDFIs or must have an interest and commitment to quickly developing knowledge of CDFIs.
  • Commitment to equity and inclusion as an organizational practice and culture.
  • Ability to work hours exceeding stated office hours as needed
  • Ability and willingness to travel for staff retreats, meetings, and professional development opportunities.

Compensation and Benefits

This position offers a hybrid working environment from our offices on 15th Street in downtown Washington, DC, near The White House. Our offices are open five days a week, with Tuesday, Wednesday, and Thursday as in-office Community Days for all Washington, DC area based employees. Monday and Friday are designated remote work days where employees may choose to work remotely. For Community Days (Tuesday, Wednesday, and Thursday), all Washington, DC-based employees must be in the office on Tuesday and Thursday. Employees must be in the office on Wednesday when scheduled in-person meetings or other events occur. Wednesday should not be viewed as an additional remote workday.

Salary: $175-$195K, commensurate with experience



How to Apply

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CDF Deputy Director and Lending Officer