Bilingual Commercial Lending Leader

Homewise Inc.; Albuquerque, Santa Fe (NM, NM); On-site; USD 70,000 - 100,000; Full time

Job summary

Homewise Inc. is seeking a Commercial Loan Officer to lead sourcing, credit analysis, and portfolio management for communities across New Mexico. You will present to the Loan Review Committee and manage relationships with small business owners, nonprofits, and partners.

The role emphasizes analytical, relational, and presentational skills and requires bilingual English/Spanish communication to build trust and close deals.

Qualifications

• Bachelor’s degree in related field.
• 3-5 years of commercial lending experience.
• Bilingual in English & Spanish strongly preferred.

Responsibilities

• Sourcing new commercial lending opportunities through direct prospecting, referral networks, community partnerships, and existing client relationships.
• Conducting initial consultations, gathering documentation — business plans, financial statements, tax returns, contracts, due diligence materials — and evaluating program fit.
• Performing comprehensive credit analysis: reviewing business and personal financials, developing cash flow analysis, calculating credit ratios, and assessing collateral and guarantor support.
• Structuring loans appropriately for purpose, repayment source, and risk profile, and preparing high-quality credit approval memoranda.
• Presenting loan recommendations to Homewise's Loan Review Committee and exercising independent judgment on approvals, denials, or alternative structures.
• Managing commercial loans throughout the loan term — including insurance compliance, forbearance requests, payoffs, restructures, collateral substitutions, and collections.
• Preparing compliance reports, budgets, expenditure analyses, and funding requests for investors, and maintaining accurate portfolio and pipeline data in Salesforce and other designated systems.
• Building relationships with small business owners, nonprofit leaders, referral partners, and community stakeholders across New Mexico, and representing Homewise as a resource for commercial lending.

Skills

Bilingual English/Spanish

Analytical thinking

Credit analysis

Relationship building

Presentation skills

Independent work

Education

Bachelor’s degree

Tools

Salesforce

Job description

Homewise Inc. is seeking a Commercial Loan Officer to lead sourcing, credit analysis, and portfolio management for communities across New Mexico. You will present to the Loan Review Committee and manage relationships with small business owners, nonprofits, and partners.

The role emphasizes analytical, relational, and presentational skills and requires bilingual English/Spanish communication to build trust and close deals.