Loan Officer

San Francisco / Oakland
February 2024


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 Salesforce
  • 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 statements,
  • 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 closing
  • Assist Loan administration with closing and ongoing monitoring activities
  • Collaborate with Asset Management on portfolio issues and additional projects, as needed
  • Identify the borrower and product segments where Community Vision’s capital is most needed.
  • 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 for team members.


Ideal qualifications

  • 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 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
  • Proven Sales and Business Development Skills
  • 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 sales tools for tracking opportunities, calling efforts, and client requests
  • Significant experience in credit analysis and preparation of credit memorandums for loan approvals
  • Ability to conduct site visits throughout Northern and Central California
  • Hands-on experience working with nonprofits working 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 attitude


The Loan Officer is a full-time exempt position. This position reports to the Director of Lending.

The salary for this position is between $91,000 – $104,000 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.

Send resume and cover letter with application, please. Cover letters should discuss your interest in the position and in working at Community Vision. INCOMPLETE APPLICATIONS WITHOUT COVER LETTERS WILL NOT BE CONSIDERED. Position will remain open until filled.on. Position will remain open until filled.

Position is open until filled. For more information on our programs and services, please visit our website at: