Loan Officer

Company: Civic Builders, Inc.

Location: New York City, Remote

Job Function: Lending/Loan Operations



Civic Builders, Inc. (Civic) transforms children’s lives and revitalizes communities by building inspirational schools for students in underserved neighborhoods across the country. Dedicated to giving every child the chance to attend a great school, Civic Builders partners with the nation’s best educators to create public charter school buildings for students in communities where the need is greatest.

Since 2002, Civic Builders has built inspiring, bright, and modern buildings that give its partner schools cost-effective, customized educational space. Civic Builders expanded its business to include direct lending to non-profit charter schools and affiliates nationwide beginning in 2017.  Over its five-year history, Civic’s lending businesses have invested over $215M in high quality facilities projects nationwide.



Civic Builders is seeking an ambitious, self-aware, execution-oriented emerging leader eager to deepen a career in mission-driven community development lending. This is an exciting opportunity to support the creation of excellent public schools that transform students’ lives in underserved communities across the country. Civic Builders offers strong opportunities for career growth and advancement on our busy, growing national team.

Within year one, the Loan Officer will work closely with internal and external stakeholders to lead transactions independently through the full underwriting and diligence process from initial “green light” through preliminary and final approvals, closing, and the transition to asset management. The Loan Officer should bring entrepreneurial energy, a personal accountability mindset, and an open-minded perspective to the work.

The Loan Officer will report to the Senior Director of Lending in support of Civic’s national charter school lending platforms, and will have frequent opportunities to work alongside the SVP of Corporate Development and the VP of Capital Solutions (collectively the “Lending Leadership Team”). The Loan Officer may also support the Lending Leadership Team on strategic projects, process improvement efforts, and/or other corporate initiatives upon demonstrating mastery of core responsibilities.


  • Lead the underwriting of commercial real estate investments.
    • Manage investments through due diligence, credit underwriting, credit/investment committee approval, and closing processes.
    • Within the first year, independently handle key activities that are immediately adjacent to the core underwriting work, including such tasks as intercreditor negotiations and review of real estate contracts and/or leases.
  • Employ a creative, solutions-oriented outlook on deal structuring and credit.
    • Creatively employ non-traditional deal structuring options to balance unmitigated credit challenges.
    • Work collaboratively with senior leadership to support mission-oriented goals while adhering to existing lending policies.
  • Clearly communicate (both verbally and in writing) complex terms and structures to audiences possessing different levels of technical expertise.
    • Craft a clear and compelling written narrative that details a potential investment’s strengths, weaknesses, and mitigating factors while highlighting programmatic alignment within the detailed credit memo.
    • Verbally present investment memos and recommendations to senior stakeholders to secure investment authorization by phone or Zoom.
  • Consistently provide excellent client service and maintain long-lasting, positive relationships.
    • Build and maintain positive professional relationships with prospective borrowers, stakeholders, partner organizations, and third-party service providers that will outlast any individual transaction engagement.
  • Other duties as assigned.


The following qualifications and attributes are required to succeed as Loan Officer:

  • Bachelor’s degree required. MBA, similar advanced degree or professional certification a plus.
  • 5+ years of relevant experience with credit underwriting, financial analysis and related operational analysis and/or related functions with relevant transferable experience.
    • Transferable professional experience may include roles in the following functional areas: asset management; new business development/originations; technical assistance; and/or accounting/finance/budget roles where the candidate was directly responsible for building and maintaining a budget, generating quarterly reports, and financial projections.
    • The following employment sectors would provide strong foundations for this work: community development lending/finance organizations; charter schools and/or charter school service providers; affordable housing or other real estate developers; commercial or investment banks; private equity firms; and/or public finance professionals.
  • Advanced quantitative expertise including advanced Excel modeling skills.
  • Advanced project management skills, including experience managing and prioritizing multiple projects and portfolios with similar or competing deadlines.
  • Excellent professional communications skills, both written and verbal – easily communicate credit principles and build partnerships.
  • Ability to build strong and effective relationships with a variety of stakeholders such as other lenders, prospective borrowers, lawyers, real estate professionals, foundation staff, etc. with diverse experiences and backgrounds.
  • Personal, volunteer or professional connection to Civic Builders’ mission.


The following additional qualifications and attributes are helpful for the role of Loan Officer, and can be developed over time:

  • Skill in navigating difficult conversations with stakeholders.
  • Eagerness and ability to establish an area of personal expertise and ownership within a high-growth, fast-paced environment.
  • Self-motivation with a strong affinity for problem solving, always challenging the status quo and never settling for how something “has always been done”.
  • Ability to apply logic, reason, and creativity to solve problems with imperfect information.
  • Action orientation with demonstrated ability to make difficult decisions to drive results.
  • Charter school or education industry experience.


  • Civic Builders is located in New York, NY. Our work environment is hybrid, and a remote arrangement is possible for non-local employees (must work East Coast hours). Local employees are expected to work in the office a minimum of two days per week for team collaboration.
  • Travel to support originations and underwriting work (site visits), contribute to new market development, and to represent Civic Builders at national conferences as required. Travel time commitment varies month to month and typically is less than 10% annually (~2 days per month). Non-local employees will also travel to NYC occasionally for team collaboration.
  • Please note: Since we care so greatly about our employees’ well-being, Civic Builders is committed to an environment where our employees are fully vaccinated against COVID-19. As a prospective new team member, you must be fully vaccinated with a CDC/FDA approved COVID-19 shot(s) to work in our offices. If you are selected to interview for this role, we will explain our vaccination policy in further detail and ensure you are comfortable moving forward with this company policy.
  • Relocation assistance to New York is possible (up to $5K based on expenses incurred).

Compensation and Benefits

Salary Range: $110,000 – $125,000

We want you to be well and thrive. Our benefits package includes:

  • Healthcare insurance plans including medical, dental, and vision, and flexible spending accounts (FSA) and health savings accounts (HSA)
  • 401K retirement plan (Roth and traditional) including an employer match
  • Short-term & long-term disability insurances
  • Group term life insurance
  • Commuter benefits program
  • 12 weeks paid parental/family leave
  • Paid time off including holidays, vacation and sick days
  • Learning and development resources and reimbursement
  • Social and educational outings
  • Cell phone plan reimbursement and equipment replacement
  • Home office setup

How to Apply

Please submit your resume for consideration to our Recruitment Partner at and be sure to include the position title in the subject line of your email.