Commercial Loan Officer

Company: Homewise Inc

Location: Santa Fe, NM

Job Function: Financial Services


The Homewise mission is to help create successful homeowners and strengthen neighborhoods so individuals and families can improve their long-term financial well-being and quality of life.  We share in our customers’ challenges and successes, using those experiences to build a better way to buy a home. We believe that strong homeowners help build healthy, vibrant communities.


Are you a licensed Mortgage Loan Originator with commercial lending experience? Consider a career with Homewise! We are a non-profit organization with a mission to help create successful homeowners and strengthen neighborhoods to improve long-term financial well-being and quality of life.

The mission of the Commercial Loan Officer is to lead our commercial loan program, which enables businesses and non-profits to own their own facilities. This includes guiding loan applicants through the process and providing the staff with the necessary information to make good lending decisions. A successful Commercial Loan officer uses their expertise in every facet of the customer’s journey, from interest in pursuing a real estate purchase to loan closing.


Essential Duties and Responsibilities

The Commercial Loan Officer is responsible for carrying out the following duties:

  • Ensure we set customers up for success in the purchase of their owner-occupied real estate.
  • Guide commercial clients, who are often first-time commercial real estate buyers, through the real estate purchase process. This includes counseling, mentoring, and being sure the client understands the transaction, their business financials, and trends.
  • Analyze loan requests for primary and secondary sources of repayment and the borrowers’ current financial situation, including spreading financials and proforma preparation and analysis.
  • Underwrite loans according to Homewise’ Commercial Loan Policy guidelines.
  • Recommend a loan structure(s) based on customer needs and desires and feasibility based on the loan analysis and underwriting outcomes.
  • Present a loan analysis of all pertinent information to the Loan Review Committee (LRC), including recommendations of approval/denial for approval/denial by LRC.
  • If approved, guide customers through the loan process. Prepare loan documents, and coordinate with third parties for appraisals, title insurance, and the loan closing.
  • Coordinate with internal Underwriting and Closing departments for a successful smooth closing for customers.
  • Ensure that proper due diligence has been performed at every step of the process, including financial analysis, collateral analysis or any other special circumstance.
  • Comply with all applicable regulations, policies and procedures.



  • Mathematics – Strong grasp of mathematics. Crunching numbers and reviewing financial statements are critical to the work of a commercial loan officer.
  • Customer service – Extremely responsive to internal and external customer requests, exceeding customers’ expectations; Abides by Homewise, Inc. Customer Service Standards.
  • Listening skills – Listens to understand others’ viewpoints; Anticipates customer needs and offers innovative solutions.
  • Communication skills – Able to clearly present issues, both orally and in writing.
  • Flexibility and adaptability – Adjusts quickly to changing priorities and conditions; Copes effectively with complexity and change.
  • Computer skills – Competence in Microsoft Excel, Word, Outlook, Windows, and other software applications as appropriate, including familiarity with Loan Origination Systems.
  • Work independently – Ability to work independently with little or no supervision.
  • High standards;  Expect personal performance to be nothing short of the best.

Education and Experience

  • Bachelor’s degree in finance, business or a related field or related experience.
  • Minimum of two years’ experience in commercial lending.
  • State of New Mexico Mortgage Loan Originator license.
  • In-depth knowledge of loan regulations and lending procedures.
  • Extensive experience in reviewing financial information.

Work Schedule 

  • Must be able to work flexible hours, including evenings and/or weekends on occasion.

Physical Requirements

  • This is largely a sedentary role; however, some filing is required; This would require the ability to lift files, open filing cabinets and bend or stand as necessary.
  • Must be able to occasionally lift up to 20 pounds.
  • Must be able to maneuver around various client business offices and workspaces.

Compensation and Benefits

We offer the following benefits to employees who work part-time or more:

  • Comprehensive medical benefits, including dental and vision
  • Generous Paid Time Off
  • Matched 403(b) Retirement Plan
  • Flexible Spending Accounts
  • Life and Disability benefits
  • Tuition Reimbursement
  • A great work environment
  • Remote or hybrid work options for several roles

How to Apply