Senior Loan Officer

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The Senior Loan Officer is responsible for developing and maintaining lending relationships with affordable housing real estate developers, both single- and multi-family, within the Neighbor Works America network. They will identify loan and participation opportunities, and creatively structure, underwrite, and secure loan approvals. This role is expected to meet Lending Team production goals, adhere to NC lending policies and Loan Committee requirements, and minimize organizational risk.

Reports to:

Chief Lending and Customer Engagement Officer

This position can be fully remote but requires a willingness to travel to NC’s corporate office in Silver Spring, MD, and for customer visits, industry conferences, and events as applicable.

Loan Underwriting & Analysis

• Guide borrowers through the loan application, approval, and closing process.
• Evaluate loan requests and risk ratings in line with lending policy guidelines.
• Balance borrower needs with organizational risk mitigation through effective negotiation.
• Analyze organizations (board, staff, financial, etc.), developments, and projects to support loan origination and underwriting.
• Provide technical assistance to borrowers in structuring financing solutions.
• Prepare credit memoranda and present loan recommendations to NC’s Loan Committee.
• Manage multiple deadlines and borrower needs with flexibility and adaptability.
• Assist the Director of Loan Closing with timely closings, including negotiating terms and reviewing due diligence and loan documents.
• Build and maintain strong working relationships with borrowers, Neighbor Works America relationship managers, and other industry partners.
• Confidently speak to the full range of products, services, and resources provided by Neighbor Works Capital.
• Conduct site visits to meet current and prospective borrowers and evaluate projects.
• Assess market needs and conduct research to inform new or enhanced financing solutions.
• Represent Neighbor Works Capital at industry conferences and networking events.
• Coordinate business development activities with the Chief Lending and Customer Engagement Officer, CEO, and other relevant staff.
• Coordinate customer relationship management with Portfolio Managers to ensure a seamless customer experience and to foster loyalty and repeat business.

The ideal candidate will bring:

• 5+ years of experience in commercial or multifamily real estate lending, credit analysis, or underwriting, preferably with complex community development projects at a bank or CDFI.
• Proven ability to develop new borrower relationships and manage a portfolio of existing clients to achieve loan origination/production goals.
• Knowledge of affordable housing finance, nonprofit real estate development, and federal/state subsidy programs serving urban and rural areas.
• Bachelor’s degree in finance, business, real estate, economics, urban planning, or a related field.
• Commitment to community development and creating positive impact in underserved communities.
• Strong analytical skills with experience preparing clear, accurate, and well‑organized credit analyses.
• Excellent written and verbal communication skills.
• Professional demeanor and collaborative approach in a mission‑driven environment.
• Ability to prioritize multiple tasks and meet deadlines while maintaining credit standards.
• Proficiency in Salesforce, Microsoft Office Suite, with advanced Excel skills.

Annual salary range: $130,000 – $150,000, depending on experience, plus excellent employer‑paid benefits package that includes medical, dental, vision, 11 paid holidays, PTO & sick leave, life insurance, disability, 6% contribution of eligible salary to 401(k), transportation subsidy, matching contribution plan to eligible nonprofits, and bonus potential.

Neighbor Works Capital is a national non‑profit, certified Community Development Financial Institution (CDFI) serving Neighbor Works America network organizations, nearly 250 strong, capable non‑profit housing and community development organizations in every state, District of…