Loan Officer

Company: Community Vision Capital & Consulting

Locations: San Francisco, CA; Oakland, CA

Job Function: Lending/Loan Operations


Communities on the margins of opportunity deserve a trusted partner on their journey towards financial growth and stability. As a locally invested, collaborative partner in social justice and financial equity, Community Vision provides nonprofits, small businesses, and social enterprises with strategic investment and guidance, to deepen work, scale impact, and strengthen our communities.

We know that supporting community-owned and community-governed projects creates shared prosperity and builds collective and self-directed economic and political power. This position will put you at the forefront of exciting organizational growth and the re-envisioning of how we carry out our work, creating greater efficiency internally and deeper impact externally.

Community Vision is dedicated to anti-racist practices and to building an anti-racist organization. This includes treating colleagues with respect, supporting the vision of the organization, and acting as ambassadors of our values.


The Loan Officer is responsible for structuring and negotiating loans and conducting thorough written credit analysis. The Loan Officer will work to expand lending relationships within the Community Vision network, resulting in both increased loan volume and mission impact.



This position requires an experienced professional with demonstrated loan underwriting and financial analysis skills. The Loan Officer works to structure and underwrite loans to better support the community ownership of community assets, serving affordable housing groups, community-rooted small businesses, and nonprofit organizations. They assist in the development of processes that better serve Community Vision’s clients. The Loan Officer underwrites loan requests and presents credit memoranda to Community Vision’s Loan Committee for approval.


Ideal qualifications

  • Bachelor’s Degree in a relevant field of study (e.g. business, finance, real estate, urban planning)
  • 4+ years of real estate lending, preferably with a CDFI or similar organization, with significant commercial lending experience
  • Prior work-related experience and knowledge of community development lending, including federal and state loan guarantee programs, Low Income Housing Tax Credits and New Markets Tax Credits, is a plus
  • Ability to manage relationships with borrowers using customer-centric approach, including through timely responses to opportunities and client requests
  • Ability to conduct thorough financial, industry, management, and project analysis of credit requests
  • Solid financial skills required, including ability to develop and interpret financial statements and forecasts
  • Proficiency in analyzing financials of nonprofits, particularly for assessing feasibility of real estate development projects
  • Familiarity with federal, state, and/or local government funding sources for capital and operating needs of affordable housing
  • Established track record of lending, meeting production goals, and disciplined use of tools such as Salesforce for tracking opportunities, calling efforts, and client requests
  • Significant experience in credit analysis and preparation of credit memoranda for loan approvals
  • Ability to conduct site visits throughout Northern and Central California
  • Hands-on experience working with nonprofits that support systematically disadvantaged communities is a strong plus
  • Formal credit training is a strong plus
  • Strong verbal, written, and interpersonal communication skills
  • Customer service orientation, with a track record of applying initiative and interpersonal skills to solve problems for clients
  • Organized with proven self-initiative, self-motivation, collaborative spirit and optimistic attitude

Compensation and Benefits

The Loan Officer is a full-time exempt position. This position reports to the Director of Lending. The salary for this position is between $84,975 – $108,150 annually, depending on experience. Benefits include: 100% health insurance premium coverage for employees and a contribution towards dependent coverage, dental insurance, long-term disability and life insurance, transportation and cell phone subsidies, employer contributions towards retirement savings, three weeks’ vacation, and a commitment to work/life balance. Occasional evenings and out of area travel may be necessary. The position involves regular computer and telephone use plus some minimal lifting. The position may be based at either of Community Vision’s offices in San Francisco or Oakland. All staff are working remotely until further notice.

How to Apply

Send resume and cover letter via email to The subject line should read: Loan Officer. Cover letters should discuss your interest in the position and in working at Community Vision. The position will remain open until filled.

For more information on our programs and services, please visit our website at:

Community Vision is an equal opportunity employer and is committed to providing applicants and employees with a diverse, equitable and inclusive environment free of discrimination and harassment. All employment decisions at Community Vision are based on business needs, job requirements and individual qualifications, without regard to age, ancestry, color, disability (mental and physical), exercising the right to family care and medical leave, gender, gender expression, gender identity, genetic information, marital status, medical condition, military or veteran status, national origin, political affiliation, race, religious creed, sex (includes pregnancy, childbirth, breastfeeding and related medical conditions), sexual orientation, or any other status protected by the laws or regulations where we operate. Community Vision will not tolerate discrimination or harassment based on any of these characteristics and encourages applicants with these characteristics to apply.