Commercial Loan Officer

Job Description

Job Description

Job Title: Commercial Loan Officer Department: Community Lending

Job Summary

Position Summary

The Community Lending Loan Officer (CLLO) plays a pivotal role in expanding Fahe’s mission-driven community lending programs. This position focuses on identifying mission-aligned lending opportunities, developing strong partnerships, and guiding borrowers from initial inquiry through loan closing. The CLLO must demonstrate strong relationship-building capabilities, sound financial judgment and analysis capabilities, and a deep understanding of community-based or nonprofit lending. This position may be hybrid or fully remote.

Key Responsibilities

1. Business Development & Relationship Management

• Build and maintain relationships with Fahe Members, partners, and other key industry stakeholders.
• Cultivate a robust lending pipeline aligned with Fahe’s mission and goals

2. Loan Origination & Client Support

• Serve as primary contact and guide for borrowers throughout the loan process, from application through loan closing.
• Collaborate with underwriting and credit teams to ensure timely and efficient loan processing.

3. Financial Analysis & Structuring

• Evaluate loan applications including financials, appraisals, project data, and other relevant information.
• Utilize sound financial analysis and judgment to structure loan proposals that align with Fahe’s credit policy and risk tolerance. Prepare and deliver clear, comprehensive analyses to management for informed decision-making

4. Compliance & Reporting

• Maintain accurate records of loan activity using Salesforce/Fundingo.
• Prepare periodic reports and ensure data integrity and compliance with internal standards.

5. Departmental Growth & Strategy

• Contribute to the development of new lending products and strategic business plans.
• Prepare comprehensive loan committee packages to support effective decision-making processes

6. Additional Duties

• Assist with loan collection activities as necessary.
• Participate in outreach efforts, including Member caucus meetings and other community-based engagements.
• Travel periodically throughout Central Appalachia to meet with Members and partners.

Qualifications & Requirements

Education

• Bachelor’s degree preferred; equivalent experience in lieu of degree will be considered.

Experience

• Minimum of 2 years in commercial, nonprofit, or community-based lending.
• Background in business development, client relationship management, or CDFI operations preferred.
• Familiarity with affordable housing finance or real estate development is a plus.

Skills & Competencies

• Strong financial and credit analysis abilities.
• Effective relationship-building and client service skills.
• Proficiency with CRM systems (Salesforce/Fundingo preferred).
• Strong written and verbal communication.
• Knowledge of compliance requirements and loan processing procedures.

Work Environment & Physical Requirements

• Primarily sedentary role requiring frequent computer use.
• Close visual acuity for reviewing documents and data.
• Occasional travel within Central Appalachia.
• Ability to communicate effectively in person and via phone.