Primary Responsibilities

Business Development (20%)

  • Guides 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 explains Community Vision’s lending products, process, and terms
  • Cultivates and develops strong relationships with aligned partners

Commercial Loan Underwriting (60%)

  • Determines borrowing needs and propose appropriate loan structures
  • Determines repayment capacity by analyzing historical business and personal financial statements, and creating and analyzing financial projections, including traditional and Uniform Credit Analysis (UCA) cash flow
  • Conducts comprehensive risk assessment, and industry and management analysis
  • For real estate and construction projects, evaluates project feasibility and client’s development capacity
  • Prepares written credit memorandums with detailed analysis and recommendations for terms and credit structure, following Community Vision loan policy and guidelines
  • Presents credit analysis for review and approval to Loan Committee or other appropriate levels of authority within Community Vision
  • Works with the borrower and external parties through loan commitment terms and loan closing
  • Assists the Loan Administration team with loan closing and ongoing monitoring activities

Program Development (20%)

  • Helps to identify the borrower and product segments where Community Vision’s capital is most needed. Identify underserved areas of the market, and evaluate the 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

Salary & Benefits

Starting salary is $98,000-$125,000 depending on experience. Benefits at Community Vision include; 100% health insurance premium coverage for employees and a contribution towards dependent coverage, dental insurance, long-term disability & life insurance, transportation and cell phone subsidies, employer contributions towards retirement savings, and generous PTO policies.

Candidates for the Senior Loan Officer position typically have/are:  

  • At least five to seven years of loan underwriting experience at a CDFI, bank or other financial institution, with a strong preference for formal credit training and significant commercial lending 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
  • 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
  • Committed to continuous improvement, comfortable giving and receiving feedback. Self-reflective and eager to learn
  • Ability to conduct site visits throughout Northern and Central California
  • Formal credit training is a strong plus
  • Hands-on experience working with underserved small business owners from systematically disadvantaged communities is a strong plus
  • Prior work-related experience and knowledge of community development lending, including federal and state loan guarantee programs, is a plus
  • Language ability in languages commonly spoken in our service area (such as Spanish, Chinese, or Tagalog) is a plus
  • Shows initiative in accomplishing goals, and takes accountability for results
  • Bachelor’s degree in a related field or equivalent experience
  • Valid California Driver’s License for required driving


  • Reports to Lending for Economic Development
  • Attends and participates in Loan Committee meetings
  • Interacts extensively with the Lending team and staff/management in other Community Vision departments
  • Interacts regularly with current and potential borrowers
  • Communicates with referral sources
  • Presents Community Vision to outside constituencies

Hours & Location

  • Full-time position, exempt
  • Located in San Francisco and/ or Oakland; Due to Coronavirus/pandemic all staff are working from home until further notice
  • Work hours will be predominantly during regular business hours, although occasional evenings and weekends will be required
  • A flexible schedule may be accommodated
  • Most positions at Community Vision involve regular computer and telephone use plus some minimal lifting
  • Out of area travel, and spending time away from home, is required for up to 5% per year
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