Loan Officer

Company: Evergreen Business Capital Community Finance

Location: Seattle, WA

Job Function: Lending/Loan Operations


Evergreen Business Capital Community Finance is a non-profit lender that offers financing solutions to support small businesses in our community. With offices and staff located in Washington, Oregon and Alaska as well as North Idaho, we provide loans to small businesses throughout the Pacific Northwest, with a special focus on underserved communities. We offer term loans up to $250,000. Loans can be used for inventory, working capital, fixed assets, or other business needs and can be fully amortized. Evergreen believes that each employee makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities. Therefore, this role description is designed to outline primary duties and qualifications, but not limit the employee or the organization to just the work identified. It is our expectation that every employee will offer his/her/their services wherever and whenever necessary to ensure the success of our products and services. Our shared values include Respect, Professionalism, Integrity and Honesty, Efficiency and Effectiveness, and Fiscal and Social Responsibility.


Under minimal supervision, the Loan Officer is responsible for developing and processing new small business loans. Acts as the main contact to market, intake, analyze, and package new loan applications. Analyzes worksheets, financial statements, and other documents to evaluate loan quality. Packages and presents loans to the Credit Team and/or their assigns. Works with the CDFI Fund, SBA, USDA, other state/federal agencies, bankers, and community-based partners to get loans authorized and funded. Ensures the integrity of documentation, reporting, and modifications of loans within the portfolio. Provides quality data for impact measurement.


Specific Responsibilities:

75% – manages the loan development process for EBCCF Access Program loans.

  • Finds potential loan leads and follows up as appropriate
  • Interviews loan applicants and collects and analyzes financial and related data to decide the eligibility, the viability of the deal, and the merits of the specific loan request
  • Collects and analyzes credit information including cash flow, sales trends, profitability, debt to equity ratios, operating cycle trends, tax returns, and related personal and business information
  • Compiles the loan package documentation including regulatory forms, credit write-ups, and the narrative part of the credit memorandum
  • Obtains approval from the Credit Administrator, which may include negotiating and restructuring the loan
  • Acts as project manager as the loan request works through the Underwriter, Credit Administrator, and Closer; follows through on collecting any other information or paperwork from the borrower or outside vendors
  • May compile requests for loans to EBCCF, amend work plan; understands the loan approval process for non-revolved funds
  • Responds to inquiry calls for existing or potential loans as needed
  • Develops and maintains relationships with borrowers through technical assistance starting from the prospect stage through the life of the loan, with the goal of making the borrower bankable

25% – markets the loan programs offered by the company

  • Seeks out and attends local networking events and ensures that Evergreen’s contact list is up to date
  • Develops a strategy to target the specific key market as required by CDFI objectives
  • Maintains current product knowledge of all programs offered by the company as well as competing programs from other organizations
  • Can discuss pros and cons of various loan approaches for target customers

General Responsibilities:

  • Supplies input on policy and procedural issues
  • Reviews and continuously improves internal processes
  • Provides support, input, and training if needed to internal staff involved with the loan
  • Adheres to Evergreen Business Capital and SBA policies and procedures
  • Understands and complies with SBA regulations, procedures, and other program requirements
  • Establishes and cultivates community relations by maintaining open dialogue with all of the company’s constituencies
  • Vigorously engages in their own professional development; is a life-long learner who enhances their skills, using state-of-the-art technologies to maintain high standards of performance to efficiently and effectively produce work products
  • Is familiar with and complies with all policies and regulations as put forth in the company’s documents
  • Since safety and security are everyone’s responsibility, takes all necessary and reasonable precautions to protect students, faculty, staff, equipment, materials, and facilities
  • Performs other duties as assigned


Required Education & Experience:

  • Bachelor’s degree from an accredited 4-year college or university preferred, experience may be substituted
  • Coursework in sales, marketing, management, or business administration is strongly preferred.
  • At least 3 years’ experience in the lending area of a financial institution

 Required Knowledge, Skills, & Abilities:

  • Solid knowledge of commercial lending practices
  • Strong people skills
  • Ability to multi-task
  • Ability to work independently, prioritize, and problem solve
  • Responsibility and sense of ownership of all projects and deliverables
  • Advanced mathematical and analytical skills
  • Constant reading, writing, speaking, and understanding English
  • Ability to work effectively as a team member and as an individual contributor
  • Excellent customer service skills
  • Attention to detail, prioritizing, and meeting deadlines
  • Excellent organizational skills
  • Excellent use of discretion
  • Excellent decision-making skills
  • Ability to mentor
  • Excellent presentation skills
  • Excellent negotiating skills
  • Ability to use independent judgment
  • Excellent written, verbal, and interpersonal skills
  • Ability to multi-task
  • Ability to communicate and work effectively with all company constituencies
  • Ability to keep information in the strictest of confidence
  • Commitment to diversity, equity, and inclusivity
  • Ability to travel regionally up to 10% of the time

Compensation and Benefits

Salary” $65.000 – $75,000 DOE

Evergreen Business Capital offers a comprehensive and generous benefits package intended to support and promote the health and well-being, work/life balance, and financial security of our full-time (17+ hours/week) employees and their families.

  • Employer-Subsidized Medical, Dental, and Vision Insurance (100% for 32+ Hours/Wk. Employees; Pro-rated if <30 Hours/Wk.; 50% for Dependents)
  • Employee Assistance Program
  • Section 125 Pre-Tax Health Care and Dependent Daycare Spending Accounts
  • Employer-Paid Short- and Long-Term Disability Insurance
  • Employer-Paid Term Life/AD&D Insurance
  • Voluntary Life/AD&D Insurance
  • Voluntary Supplemental Insurance
  • 401(k) Retirement Savings Plan with Employer Match
  • Paid-Time-Off
  • Professional Development

How to Apply

Submit resume only to Theresa Smith, VP, CDFI and Impact Manager, at No phone calls, please.