Job Opening – Loan Officer/Senior Loan Officer

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 (Community Vision) provides nonprofits, small businesses, and social enterprises with strategic investment and guidance deepening work, scaling impact, and strengthening our communities.

Community Vision promotes diversity and equal opportunity in the workplace and believes it is important for the continuing success of the Fund. In accordance with state and federal law, Community Vision will not discriminate against an employee or applicant due to race, disability, color, creed, religion, sex, age, national origin, ancestry, citizenship, veteran status, gender identity, sexual orientation, weight or height or other protected categories in hiring, promoting, demoting, training, benefits, transfers, layoffs, terminations, recommendations, rates of pay or other forms of compensation. Opportunity is provided to all employees based on qualifications and job performance.

Loan Officer/Senior Loan Officer

San Francisco, California

Community Vision’s Lending Department provides loans and New Markets Tax Credit financing, with an emphasis on achieving greater racial and economic equity. Our borrowers have made use of our financing to develop affordable housing, build and acquire community facilities, create economic development projects, support access to healthy foods, and strengthen their operations in order to make a difference in the lives of the communities that they serve.

Position Summary

Community Vision is looking for a dynamic commercial lender to help build our emerging small business lending program. This position will be one of three lenders developing this new practice area, and would be the primary loan officer for a proposed new community capital fund fostering business ownership and quality jobs for people of color in Alameda and Contra Costa counties. The LO/ Sr. LO will work to identify potential borrowers, structure and negotiate loans, conduct thorough written credit analysis, and partner with our loan administration team to ensure a high quality of customer service throughout the borrower’s relationship with us. The position will play a role in business development, representing Community Vision and our proposed new fund in the East Bay small business community and beyond. The LO/ Sr. LO will also play an active role in program development, helping us re-think credit analysis and loan structuring with an equity lens.

The position is an excellent opportunity for an experienced commercial lender to play a leadership role in breaking down the barriers to capital access for businesses owned by, or creating quality jobs for, systemically disadvantaged people. The position will be directly involved in creating loan products and procedures that make business credit more accessible and equitable, while ensuring responsible risk management. The ideal candidate is someone who understands the unique needs of small businesses owned by and serving under-invested individuals and communities. The successful candidate will be both a thinker and a doer, equally enthusiastic about assessing an individual borrower’s request and contributing to our strategy for serving this market. Finally, the candidate should enjoy working in an active and expanding nonprofit and should be able to thrive in a friendly, cooperative, and fast-paced environment.

Community Vision will hire this position at either the Loan Officer or Senior Loan Officer level, depending on the successful candidate’s experience. This position is primarily focused in the Bay Area counties, but may also work in other parts of Northern and Central California.

Primary Responsibilities

Business Development

  • Help create business development and marketing plans
  • Represent Community Vision in the community, including in meetings and conferences
  • Guide potential borrowers through the application process, including screening against impact and credit guidelines, and ensuring application packages are completed thoroughly and on agreed timelines
  • Clearly explain Community Vision’s lending products, process, and terms
  • Cultivate and develop strong relationships with aligned lenders and technical assistance providers

Commercial Loan Underwriting

  • Determine borrowing needs and propose appropriate loan structures
  • Determine repayment capacity by analyzing historical business and personal financial statements, and creating 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 management capacity
  • Prepare written credit memorandums with detailed analysis and recommendations for terms and credit structure, following Community Vision loan policy and guidelines
  • Present credit analysis for review and approval to Loan Committee or other appropriate levels of authority within Community Vision
  • Work with the borrower and external parties through loan commitment terms and loan closing.
  • Assist the Loan Administration team with loan closing and ongoing monitoring activities

Program Development

  • Contribute to research on emerging best practices for inclusive business lending, including alternative debt structures, credit evaluation methods, and risk management practices
  • Lead internal projects that may include loan product development, process improvement, and/or policy documentation
  • Help to build Community Vision’s network of peers and practitioners
  • Represent Community Vision to existing and prospective funders and investors

Required Skills & Experience

  • 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
  • Minimum of three years (Loan Officer) or five years (Senior Loan Officer) of loan underwriting or credit analysis experience at a CDFI, bank or other financial institution, with a strong preference for significant commercial lending experience
  • 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
  • Shows initiative in accomplishing goals, and takes accountability for results
  • Committed to continuous improvement, comfortable giving and receiving feedback. Self-reflective and eager to learn.
  • Bachelor’s degree in a related field or equivalent experience
  • Valid California Driver’s License for required driving
  • Ability to conduct site visits throughout Northern California

Desired Qualifications, Skills & Experience

  • Formal credit training is a plus
  • Hands-on experience working with underserved small business owners from systemically disadvantaged communities is a plus
  • Prior work-related experience and knowledge of community development lending, including federal and state loan guarantee programs, is a plus
  • Language ability in commonly spoken languages (including Spanish, Chinese, Tagalog) is a plus


Position reports to the Manager, Food and Enterprise Lending; communicates regularly with referral sources and potential borrowing clients; attends and participates in Loan Committee meetings; interacts extensively with the lending team and staff/management in other Community Vision departments; and represents Community Vision to outside constituencies.

Job Context

Position is pivotal to the success of an emerging small business lending practice within a well-established community development lending department. Work load will vary requiring flexibility with time. Outside meetings and some local travel within Northern California are required.

Hours & Location

  • Full-time position
  • Work hours will be predominantly during regular business hours, although occasional evening or weekend hours will be required.  A flexible schedule may be accommodated.
  • Worksite will be in the offices of Community Vision in San Francisco and/ or Oakland, with some travel outside the Bay Area for site visits, business development, and conferences.

Compensation & Benefits

Competitive nonprofit salary range depending upon experience, plus an excellent benefits package including health, dental, retirement plan and three weeks of vacation.

We realize that the impact of discriminatory policy, institutionalized financial neglect, and systemic racism have resulted in a deep sense of distrust felt among communities on the margins of opportunity, including people of color, folks of various abilities, genders and sexualities, and communities with low financial wealth. We believe that these communities must be centered in the work we do. Hence, we strongly encourage applications from people with these identities or who are members of other marginalized communities.

 Email resume and cover letter to: with “LO/SLO Search” in the subject line.

Application Deadline: Open until filled.