Senior Loan Officer

The Low Income Investment Fund is a non‑profit Community Development Financial Institution (CDFI) that mobilizes capital and partners to achieve opportunity, equity and wellbeing for people and communities. LIIF innovates financial solutions to create more equitable outcomes for all by building and preserving affordable homes, quality educational opportunities from early childhood through higher education, health clinics, healthy food retail and community facilities.

In this way, LIIF provides a bridge between private capital markets and communities. LIIF’s headquarters is in San Francisco and has offices in Los Angeles, New York, Atlanta, and Washington D.C.

This position reports to the Director, National Community Facilities Lending (DNCFL).

The Senior Loan Officer is a seasoned lending professional responsible for originating, underwriting, and closing real estate‑backed loans and New Market Tax Credits source/leveraged loans for community facilities such as charter schools, early childhood education centers, and health clinics. This position plays a crucial role in deploying capital that improves the quality of life in under‑resourced communities. The Senior Loan Officer helps drive the implementation of LIIF’s community facilities strategy and contributes to achieving annual lending production goals, while supporting internal collaboration and cross‑team alignment.

• Source, structure, and underwrite complex community facility loan transactions.
• Analyze borrower financial statements, project feasibility, and collateral value.
• Navigate regulatory, legal, and financial considerations to mitigate risk.
• Collaborate with internal credit officers and legal counsel to manage due diligence and ensure timely closings.

• Build and maintain relationships with key borrowers, sponsors, and referral sources.
• Participate in joint outreach with Communications, the DNCFL, and the Vice President & Market Director to grow organization presence.
• Contribute to the development of a qualified, mission‑aligned lending pipeline.
• Partner with internal departments, including Asset Management, Loan Administration, and Finance, to maintain portfolio quality (timely payments, financial reporting, data collection, etc.)

• Deploy LIIF’s Department of Education Credit Enhancement Awards to eligible charter schools.
• Support deployment of LIIF’s Bond Guarantee Program Awards to eligible projects.
• Monitor utilization milestones to ensure full drawdown of funds within timelines.
• Work closely with internal teams (e.g., Underwriting, Asset Management, Legal) to coordinate term sheets, closings, and reporting.

• Collaborate with Director and Lending Leadership to test and refine new loan products.
• Offer feedback from borrower experience and market trends to improve product‑market fit.

• Monitor shifts in community development finance, e.g., NMTC policy, healthcare trends, charter school funding.
• Represent LIIF at sector events and participate in knowledge‑sharing networks.
• Share on‑the‑ground insights to inform organizational strategy and policy engagement.

• Provide mentorship or onboarding support for junior staff.
• Participate in cross‑functional projects, annual strategic planning, and organizational meetings.

• Bachelor’s degree in finance, real estate, business, urban planning, or related field.
• 5–7 years of experience in lending, community development finance, or CDFI operations.
• Proven expertise in loan origination, underwriting, deal structuring, and risk mitigation.
• Strong experience with charter school, early childcare & education, health facility, or community facility financing.
• Advanced financial analysis skills, particularly in nonprofit and real estate financials.
• Deep knowledge of CDFI industry standards, NMTCs, and public subsidy layering.
• Familiarity with federal, state, and local funding sources for community development.
• Strong strategic planning, time‑management, and organizational…