Loan Officer

Company: Community Vision Capital & Consulting

Location: San Francisco, CA

Job Function: Underwriting


Communities on the margins of opportunity deserve a trusted partner on their journey toward 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 volume and mission impact.
This position requires an experienced professional with demonstrated relationship loan
underwriting, and financial analysis skills. They work to develop loan products and processes to better serve affordable housing groups, real estate development objectives, and nonprofit
organizations. The Loan Officer will underwrite loan requests and present a credit memorandum to Community Vision’s Loan Committee for approval.


● Focus on relationship building with clients and prospects to achieve individual and
organizational loan volume goals
● Create new customer relationships by developing an outreach strategy, pursuing each
prospect in a determined and systematic fashion, and tracking engagement in
● Develop strong relationships with aligned partners
● Guide potential borrowers through the application process, including screening against
impact and credit guidelines, and ensuring application packages are completed
thoroughly and on agreed-upon timelines
● Clearly explain Community Vision’s lending products process and terms
● Structure and negotiate financing proposals/commitment and prepare comprehensive
written loan packages for review and approval by Community Vision’s Loan Committee
● Determine borrowing needs and propose appropriate loan structures
● Determine repayment capacity by analyzing historical business and personal financial
● Create and analyze financial projections, including traditional and Uniform Credit
Analysis (UCA) cash flow
● Conduct comprehensive risk assessment, and industry and management analysis
● For real estate and construction projects, evaluate project feasibility and client’s
development capacity
● Prepares written credit memorandums with detailed analysis and recommendations for
terms and credit structure, following Community Vision’s loan policy and guidelines
● Works with the borrower and external parties through loan commitment terms and loan
● Assist Loan administration with closing and ongoing monitoring activities
● Collaborate with Asset Management on portfolio issues and additional projects, as
● Identify the borrower and product segments where Community Vision’s capital is most
● Identify underserved areas of the market, and evaluate whether or not there is a fit with
Community Vision’s capabilities and impact objectives.
● Actively contribute to loan product development, taking new loan products through a
process from concept, to definition, piloting, and rollout.
● Actively contribute to loan process improvement, with the goal of continuously
improving clarity and efficiency. Identify opportunities to incorporate industry-best
practice and emerging approaches, draft proposed changes to process, and help to
document and train team members.


● Bachelor’s Degree in a relevant field of study (e.g. business, finance, real estate, urban
planning) ir required
● 4+ years of real estate lending or business banking as a sales officer, credit underwriter
or loan officer, 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, is a plus
● Ability to manage relationships with borrowers using a 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 the ability to develop and interpret financial
statements and forecasts
● Proven Sales and Business Development Skills
● Proficiency in analyzing financials of nonprofits, particularly in 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
sales tools for tracking opportunities, calling efforts, and client requests
● Significant experience in credit analysis and preparation of credit memorandums for loan
● 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
● Familiar with Salesforce
● Organized with proven self-initiative, self-motivation, collaborative spirit, and optimistic

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 $91,500 – $116,500 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 can be based at either of Community Vision’s offices in San Francisco or Oakland. All staff are working hybrid until further notice.

How to Apply

Please apply via the Community Vision Career Center at ADP Here. Please include a resume and cover letter. Incomplete applications without a cover letter will not be considered. 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: