Commercial Loan Officer

Homewise Inc.; Albuquerque (NM); On-site; USD 85,000 - 120,000; Full time

Job summary

Homewise Inc. in Albuquerque seeks a Commercial Loan Officer to own the lending relationship lifecycle—from sourcing deals to credit analysis, presenting to the Loan Review Committee, and managing the portfolio post-close.

You will evaluate business financials, structure loans, and defend credit memos while building trusted partnerships with small business owners, nonprofits, and community developers across New Mexico.

Qualifications

• Identifies borrower needs through dialogue and structures appropriate financing solutions
• Evaluates complex financial information to form sound credit recommendations
• Presents credit memos clearly to committees and defends recommendations
• Builds relationship with community partners and borrowers across New Mexico

Responsibilities

• Sourcing new commercial lending opportunities through prospecting, referrals, partnerships, and existing client relationships
• Conducting consultations and gathering documents to assess program fit
• Performing credit analysis of business and personal financials and assessing collateral
• Structuring loans for purpose, repayment source and risk, and preparing credit memoranda
• Presenting loan recommendations to the Loan Review Committee and applying independent judgment
• Managing commercial loans throughout their term including forbearances and restructures
• Maintaining portfolio data in Salesforce and other systems and preparing reports for investors
• Building relationships with small business owners and community stakeholders across New Mexico

Skills

Consultative skills

Analytical thinking

Leadership

Proactivity

Talent development

Results-oriented

Decision making

Collaboration

Qualitative & quantitative analysis

Communication

Listening

Independent work

Community commitment

Education

Bachelor’s degree in related field

Tools

Salesforce

Job description

About the Role

The Commercial Loan Officer is Homewise's face in the community lending world — the person New Mexico small business owners, nonprofit leaders, and community developers turn to when they need financing that traditional banks can't provide. Reporting to the Chief Financial Officer, you'll own every stage of the relationship: sourcing deals, analyzing credit, presenting to the Loan Review Committee, and managing the portfolio long after closing. The role suits someone who enjoys all sides of commercial lending — analytical, relational, and presentational — and sees each as different ways of serving the same mission: building thriving communities across New Mexico.

You’ll Be a Great Fit If

• You know how to look at a business rather than a person, and you understand that the questions are different.
• You can analyze a business the whole way through — reviewing financial statements, tax returns, cash flow projections, and balance sheets; evaluating whether the assumptions behind the projections are reasonable; and calculating the ratios that tell the real story.
• You know when to structure a deal differently, when to add a guarantor, when to substitute collateral, and when the right answer is no.
• You can present a credit memo to a committee and defend it.
• You're a business developer at heart.
• You take the long view. Commercial lending relationships play out over years — through forbearances, restructures, collateral changes, payoffs — and you're prepared to own the whole arc.
• You're bilingual in English and Spanish and can build trust and hold serious financial conversations in either language.
• You own your pipeline, your portfolio, your committee submissions, and your community relationships with minimal supervision.
• You're detail-oriented in data and believe clean data is what makes you credible to investors and to committee.

What You’ll Be Doing

• 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.

Requirements

• Consultative Conservation Skills: Identifies borrower needs through dialogue and structures appropriate financing solutions
• Analytical Thinking: Evaluates complex financial information to form sound credit recommendations
• Leadership: Engages, motivates, and empowers team to achieve organizational and individual growth.
• Proactivity: Brings forward new ideas and drives initiatives without being directed.
• Talent Development: Recruits, develops, and retains high-performing team members.
• Results-Oriented: Aligns work to measurable outcomes and strategic goals.
• Decision-Making: Generates innovative solutions and moves projects forward with confidence.
• Collaboration: Builds strong cross-functional relationships and fosters teamwork.
• Qualitative & Quantitative Analysis: Performs effectively in a fast-paced, evolving environment.
• Communication Skills: Presents analysis and recommendations clearly, orally and in writing
• Listening Skills: Seeks understanding, anticipates needs, and offers innovative solutions.
• Independent Work: Operates effectively with minimal supervision.
• Community Commitment: Understands and reflects Homewise's mission in borrower relationships and business development

Education and Experience

• Bachelor’s degree in related field.
• 3-5 years of commercial lending experience
• Demonstrated excellence in verbal and written communication, including public speaking.
• Bilingual in English & Spanish strongly preferred