Community-Focused Commercial Loan Officer

Opportunity Finance Network; Albuquerque (NM); On-site; USD 75,000 - 110,000; Full time

Job summary

Homewise is seeking a Commercial Loan Officer in Albuquerque, NM, reporting to the Chief Financial Officer. You will own every stage of commercial lending—from sourcing to portfolio management—serving New Mexico small business owners, nonprofits, and developers who need financing beyond traditional banks.

You’ll analyze financials, structure loans, and present to the Loan Review Committee. Bilingual English/Spanish is a strong plus; you’ll build community relationships and manage a growing

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

Consultative conversation

Analytical thinking

Leadership

Proactivity

Talent development

Results oriented

Decision making

Collaboration

Communication skills

Listening skills

Independent work

Community commitment

Education

Bachelor’s degree in related field

Job description

Homewise is seeking a Commercial Loan Officer in Albuquerque, NM, reporting to the Chief Financial Officer. You will own every stage of commercial lending—from sourcing to portfolio management—serving New Mexico small business owners, nonprofits, and developers who need financing beyond traditional banks.

You’ll analyze financials, structure loans, and present to the Loan Review Committee. Bilingual English/Spanish is a strong plus; you’ll build community relationships and manage a growing