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Senior Loan Officer


What We Do:

Nonprofit Finance Fund® (NFF®) unlocks the potential of mission-driven organizations through tailored investments, strategic advice and accessible insights. Founded in 1980, NFF helps organizations connect money to mission effectively. A leading community development financial institution (CDFI) with over $300 million in assets under management, NFF has provided $575 million in financing and access to additional capital in support of over $1.5 billion in projects for thousands of organizations nationwide. In partnership with others, we've also supported the provision of more than $120 million in grants to nonprofits for recovery, capital and planning grants and reserves.

Each year, we work with hundreds of nonprofits providing education and financial advice and tools to improve their financial understanding and health, and we partner with foundations across the country to develop solutions for organizations’ most pressing issues.

NFF is building a versatile team that has the diverse skills to deliver our products and the entrepreneurial approach and flexibility to support and drive NFF’s growth and innovation. NFF works nationally and our staff is located across five offices in New York, Boston, Philadelphia, San Francisco and Los Angeles.


Position Summary:

NFF’s Financial Services team is seeking a Senior Lending Officer to play a central role in the growth and expansion of NFF’s financing business. The Senior Lending Officer has primary responsibility for managing the due diligence, underwriting, and structuring of financing products and portfolios in the West Coast region. S/he will develop and maintain high-quality underwriting ensuring that NFF remains a leading underwriter for investment opportunities across sectors, industries and geographies. Primary responsibilities include working with borrowers through all stages of the financing process, from assisting with applications, assessing the viability of borrowers, conducting financial analyses, underwriting loans, preparing documents for loan approval, and presenting proposals to loan committees. The Senior Lending Officer will partner internally to support meeting budgeted lending goals, and will contribute to lending process improvements. S/he will maintain knowledge of key markets within the region and nationally to support and inform the underwriting process and the development of new products.

The ideal candidate will have a demonstrated interest in or commitment to supporting low-income communities and/or the nonprofit sector. The ideal candidate is also a strong communicator and relationship builder with the ability to forge deep community relationships while setting realistic expectations and moving financial projects forward.

The Senior Lending Officer will report to the Vice President, Underwriting. This position is based in NFF’s San Francisco or Los Angeles office.


Primary Duties and Responsibilities:

Underwriting and Product Management

  • Underwrite and structure financing requests for on and off-balance sheet transactions, New Markets Tax Credits and third-party delegated underwriting within appropriate and relevant credit policy guidelines and in a timely manner. Work with borrowers through all stages of the financing process.
  • Present proposals to loan committees and support the drafting of commitment letters and loan documents. 
  • Engage with clients, actively seeking to understand customers’ circumstances, expectations and needs, and developing financing solutions to meet those needs.
  • Develop and maintain knowledge of key sectors by attending conferences and maintaining relationships with key stakeholders, among other ways.
  • Manage special product or capital funds or programs, as needed.
  • Maintain a culture of quality customer service at all points of contact with NFF clients, Financial Services team and other staff, board and committee members, lending partners and professionals.

Business and Product Development

  • Maintain strong relationships with current and future borrowers and partners.
  • Develop and use knowledge of clients and markets in West Coast region to identify evolving trends and risks, and propose new product opportunities.
  • Support the process of bringing new products to market.


Essential Requirements for Education and/or Experience:

  • Bachelor’s degree or equivalent experience required; Master’s degree in business, finance, public administration or related field preferred.
  • A minimum of five years of professional experience, preferably in the financial services, consulting or nonprofit sectors.
  • Excellent analytical skills, including ability to identify and assess risk and analyze and understand complex financing structures.
  • Outstanding interpersonal and communication skills, both written and verbal.
  • Keen attention to detail.
  • Solutions-based mindset and approach.
  • Strong time management, multi-tasking, and organizational skills, with an ability to coordinate complex activities and prioritize conflicting demands and deadlines.


Specialized Knowledge/Beneficial Skills and Experience:

  • Research-savvy self-starter with ability to conduct targeted research, seek out relevant resources, comprehend both big-picture and localized issues, and quickly develop deep knowledge in a particular market or area.
  • Ability to build, manage, and deepen client relationships.
  • Results-oriented individual with the ability to work independently, as well as collaborate with a close-knit group.
  • Flexibility, creativity, and patience, with imagination, enthusiasm and a sense of humor.
  • An entrepreneurial work ethic, including an openness to learning new skills and systems, and a proactive approach to building his/her skill-set and achieving client outcomes.
  • Ability and willingness to travel within region to work with staff and meet with applicants, borrowers, and stakeholders.


Please Note:


All salaries are commensurate with experience and include an attractive benefits package.


The Nonprofit Finance Fund is committed to diversity, equity and inclusion in its workforce.  Diverse candidates are encouraged to apply.


NFF is an equal opportunity employer and does not discriminate against any applicant or employee because of race, color, religion, sex, national origin, disability, genetic information, age, or military or veteran status in accordance with federal law. In addition, NFF complies with applicable state and local laws governing non-discrimination in employment in every jurisdiction in which it maintains facilities. NFF also provides reasonable accommodation to qualified individuals with disabilities in accordance with applicable laws. Upon request, reasonable accommodations in the application process will be provided to individuals with disabilities.


This job posting provides a general list of the essential responsibilities and qualifications required for this position. It does not represent a contract for employment and NFF reserves the right to change the description and/or posting at any time without notice.


When applying, please DO NOT include any of the following information with your job application: Social Security number; driver's license number or state-issued identification card number; financial account number, or credit or debit card number.

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