Associate Director of Lending

Pacific Community Ventures; Oakland (CA); Hybrid; USD 90,000 - 120,000; Full time

Benefits offered by this job

15 Paid Holidays

20 PTO/SICK

Employer paid benefits

403B Retirement match

FSA

Annual Performance bonus

Job summary

Pacific Community Ventures in Oakland, CA is seeking an Associate Director of Lending to lead and scale our small business lending strategy across California. You will help manage a loan portfolio around $60 million and support statewide programs, place-based funds, and climate-focused capital.

The role blends lending expertise with people leadership, business development, and data-driven operations to improve credit decisions, borrower experience, and portfolio impact, partnering with Data and

Qualifications

• 5+ years of progressively responsible experience in small business lending, commercial lending, community development finance, underwriting, portfolio management, or a related field.
• Demonstrated experience leading, coaching, and developing teams while building a collaborative, accountable, and high-performing culture.
• Experience supporting fundraising, capital raising, investor relations, grant-funded initiatives, or other efforts that expand access to capital for small businesses and communities historically underserved by traditional financial institutions.
• Strong technology aptitude and demonstrated ability to learn, evaluate, and effectively use new platforms, systems, and digital tools.

Responsibilities

• Lead, manage, and develop members of the lending team, providing coaching, mentorship, and performance oversight.
• Oversee lending, underwriting, and approval processes to support sound credit decisions and compliance.
• Lead business development efforts that expand PCV's statewide lending reach and build trusted relationships with partners.
• Collaborate with Data and Finance teams to advance technology and AI initiatives within Lending.
• Prepare reports and analyses to communicate lending performance and trends to stakeholders, including the Board.

Skills

Lending leadership

Team coaching

Portfolio management

Financial analysis

Data & tech aptitude

Stakeholder communication

Tools

MS Office

Tableau

R/Python

SQL

Job description

Location: Oakland, CA (Hybrid; expect to meet once per quarter in person in the Oakland office and more frequently depending on need)

Reports to: Chief Lending Officer

Salary Range:$90,000-$120,000 with generous benefits and performance bonus

• 15 Paid Holidays
• 20 PTO/SICK
• Employer paid benefits (dental, medical, vision)
• 403B Retirement match
• FSA
• Annual Performance bonus

About Us

PCV is a 25-year-old 501(c)(3) nonprofit community investor that envisions a world of thriving communities where everyone has a fair shake. Our mission is to invest in addressing racial and gender wealth gaps, and build community wealth by investing in small businesses, helping them create good jobs for working people, and make markets work for the common good. We achieve our mission through a “Good Jobs, Good Business” model that combines affordable loans with pro-bono advising, small grants, and tools and incentives to create dignified good jobs. In 2023, 95% of PCV’s loan capital supported women and/or BIPOC-owned businesses, and 77% supported small businesses located in economically distressed areas.

The Role

Reporting to the Chief Lending Officer, the Associate Director of Lending will play a key leadership role in advancing and scaling PCV’s small business lending strategy across California. The Associate Director will help manage and grow a loan portfolio of approximately $60 million, contribute to PCV’s 2030 growth goals, and support lending initiatives that include statewide programs, place-based funds, and climate-focused capital. This role combines lending expertise, people leadership, business development, operational excellence, and technology-enabled innovation. The Associate Director will also partner with PCV’s Data team and organizational leadership to strengthen the use of technology, data, automation, and artificial intelligence across lending operations while maintaining sound credit practices and a strong borrower experience.

Why You’re Needed

PCV is entering an important period of growth as we expand our lending reach across California and work toward ambitious 2030 goals for capital deployment and small business impact. Our growing portfolio includes statewide lending as well as place-based and specialized funds designed to respond to the needs of entrepreneurs and communities that have historically faced
barriers to accessing capital. As PCV continues to scale, we are also investing in the technology, data infrastructure, automation, and responsible use of AI needed to make our lending operations
more efficient, responsive, and impactful. The Associate Director of Lending will help translate this growth strategy into execution by strengthening lending operations, developing the team,
expanding partnerships, and working across Lending, Data, Finance, Portfolio Management, and Business Advising to build the next generation of PCV’s lending platform.

Key Duties and Responsibilities:

• Lead, manage, and develop members of the lending team, providing coaching, mentorship, and performance oversight to achieve lending, portfolio, operational, and impact goals.
• Support the successful implementation and growth of PCV’s statewide, place-based, climate, and other specialized lending initiatives, ensuring that appropriate lending, portfolio, compliance, and impact data is accurately captured and available for organizational reporting and decision-making.
• Lead and support business development efforts that expand PCV’s statewide lending reach, including representing PCV at industry and community events and building trusted
  relationships with referral partners, community organizations, funders, and prospective borrowers.
• Oversee lending, underwriting, and approval processes to support sound credit decisions, consistent execution, appropriate risk management, and compliance with PCV policies and applicable program requirements.
• Manage the loan underwriting process through closing, partnering with the loan closing lead and Business Advising team to support a smooth transition into post-investment mentorship focused on good jobs and wealth-building outcomes.
• Collaborate with the portfolio management team to monitor and evaluate the performance of the loan portfolio, implementing strategies to optimize portfolio impact and quality.
• Cultivate and maintain relationships with key stakeholders, including borrowers and community partners.
• Identify and lead opportunities to improve lending processes, systems, borrower experience, and product delivery through technology, automation, data, and responsible use of artificial intelligence.
• Partner closely with PCV’s Data team and organizational leadership to advance technology and AI initiatives within Lending, including identifying practical use cases, improving workflows, strengthening data quality and accessibility, and supporting the thoughtful adoption of tools that increase organizational effectiveness.
• Help develop and implement scalable lending infrastructure, processes, and technology needed to support continued portfolio growth and PCV’s long-term 2030 objectives.
• Prepare reports, presentations, and analyses to communicate lending performance and trends to stakeholders, including the Board.
• Work closely with the Finance team on Lending/Accounting integration and reporting.
• Help build and promote a just and equitable organizational culture at all levels, and in our work.

Qualifications, Skills & Experience:

Requirements

• 5+ years of progressively responsible experience in small business lending, commercial lending, community development finance, underwriting, portfolio management, or a related field, including experience managing or leading significant lending responsibilities.
• Familiar with MS Office Suite with a strong aptitude for learning new computer programs quickly
• Demonstrated experience leading, coaching, and developing teams while building a collaborative, accountable, and high-performing culture.
• Experience supporting fundraising, capital raising, investor relations, grant-funded initiatives, or other efforts that expand access to capital for small businesses and communities historically underserved by traditional financial institutions.
• Flexibility and comfort with a mission-driven environment, and a small and growing organization
• Fast-learner, who demonstrates humility, openness, transparency, empathy, etc., as consistent with PCV values
• Strong technology aptitude and demonstrated ability to learn, evaluate, and effectively use new platforms, systems, and digital tools.
• Experience using data and technology to improve lending operations, workflows, reporting, decision-making, or customer experience.
• Familiarity with artificial intelligence, automation, or emerging technologies and an ability to identify practical applications within lending and business operations.
• Ability to partner effectively with data and technology professionals to translate business needs into systems, analytics, automation, and AI-enabled solutions.
• Strong analytical and strategic thinking skills, with the ability to translate portfolio, lending, and operational data into actionable recommendations.
• Experience working across departments and leading initiatives involving multiple stakeholders, priorities, and organizational functions.
• Experience with CDFIs, mission-driven lending, small business finance, place-based investing, climate finance, or community development is preferred.

Location/Travel

This is a hybrid position requiring occasional business travel to PCV’s headquarters in Oakland, team retreats, and conferences throughout California and nationwide. Additional travel may be
required based on business needs.

Computer Software

Microsoft Office including Word, PowerPoint, Outlook, and Excel
Tableau, R/Python required, SQL a plus

Physical and Mental Requirements

• This position primarily involves clerical, administrative, research, and computer-based work performed in a remote or office environment. The employee must be able, with or without reasonable accommodation, to perform the essential functions of the position, including communicating with others; reviewing, preparing, and presenting information; using a computer and other standard office equipment; and maintaining the attention necessary to complete assigned work accurately and timely.
• Regular computer use and occasional movement within an office or meeting environment may be required. The position also requires occasional business travel to PCV’s Oakland office, California team retreats, and conferences nationwide, generally as described in the Location/Travel section. Reasonable accommodations related to the work environment or travel will be considered in accordance with applicable law.

Disclaimer

This job description describes the general nature, essential functions, and level of work expected for this position. It is not intended to be an exhaustive list of every duty, responsibility, or qualification.

• Qualified individuals with disabilities must be able to perform the essential functions of the position, with or without reasonable accommodation. PCV will engage in a timely, good‑faith interactive process and provide reasonable accommodation as required by applicable federal, state, and local law, unless doing so would impose an undue hardship.
• Employees may be assigned other job‑related duties that are reasonably related to the position and consistent with applicable law.
• PCV may modify the duties and responsibilities of this position based on legitimate business needs and consistent with applicable law, including its obligations concerning reasonable accommodation.
• This job description does not create an express or implied employment contract or alter the at‑will employment relationship. Either the employee or PCV may end the employment relationship at any time, with or without cause or advance notice, subject to applicable law.

Equal Opportunity Employment:

PCV is an equal opportunity employer. Employment decisions are made without regard to race, color, ancestry, national origin, religious creed, sex, pregnancy, childbirth or related medical conditions, gender, gender identity, gender expression, sexual orientation, age, physical or mental disability, medical condition, genetic information, marital status, reproductive health decision making, military or veteran status, citizenship or immigration status, or any other characteristic protected by applicable federal, state, or local law. PCV provides reasonable accommodations to qualified applicants and employees with disabilities and for other protected needs as required by law. We live our values of openness, transparency, coming from a place of yes, collaboration, and more; and believe that justice, equity, diversity, and inclusion are fundamental to our success. We are especially interested in candidates who have direct and lived experience with the communities we serve.