Lending/Loan Operations

Opportunity Finance Network; Denver (CO); Hybrid; USD 55,000 - 85,000; Full time

Benefits offered by this job

Health, vision, dental & life保险

Parental leave

Short/long-term disability coverage

Hybrid work stipend

403(b) retirement plan with employer 5

10 holidays + 15 days PTO

Job summary

Colorado Enterprise Fund seeks a Pre-Underwriting and Closing Specialist to support loan documentation review and underwriting prep. You will coordinate with borrowers and internal teams to ensure complete, accurate packages and timely closings.

This role blends in-person collaboration with remote work options for a Colorado-based professional. The position emphasizes independence, reliability, and a commitment to serving low‑to‑moderate income communities, with travel to Denver at least once

Qualifications

• Minimum 2 years in commercial banking or community banking.
• Associate degree in business/finance or related field.
• Strong knowledge of loan documentation, closing requirements, financial statements, and SBA 7a.

Responsibilities

• Review loan applications and documents for completeness and compliance.
• Track loan status through the pipeline and ensure timely progression.
• Prepare and review closing packages for various loan types and terms.
• Collaborate with Credit, Lending, and other departments for smooth handoffs.

Skills

Commercial banking experience

SBA 7a experience

Spanish fluency

Financial statements & tax returns

CRM systems usage

Microsoft Excel / Google Sheets

Cross-cultural communication

Education

Associate’s degree in business or finance

Tools

CRM systems

Microsoft Office Suite

Adobe Acrobat

Job description

Colorado Enterprise Fund (CEF) is a nonprofit business lending organization dedicated to the success of small businesses in Colorado. We provide access to capital for Colorado small businesses that are unable to access traditional financing. Our primary focus includes business owners who may be low-to-moderate income, minorities, women, or veterans. We’re committed to creating meaningful impact in Colorado’s communities by providing equitable and affordable business financing for entrepreneurs who cannot access bank loans or other financial resources.

Why This Role Matters

At CEF, we see our community impact through job creation, wealth building for disadvantaged populations, and the growth and success of the businesses we fund. As a Community Development Financial Institution (CDFI), we offer loans, grants, and free business coaching to entrepreneurs to help them succeed.

Colorado small business owners and entrepreneurs seek assistance from our organization in moving towards the major step of asking for financial loans that they have not been able to find from traditional resources such as banks.

Summary

Everything we do, from how we guide borrowers end to end through the loan lifecycle to how we show up for each other as a team in our everyday work, is guided by seven guiding principles. The Guiding Principles are not abstract value; they are the specific standards by which we hire, grow, and evaluate our team. Our Guiding Principles shape every step of our process, not just the final interview.

• Collaborative: We achieve more together than alone.
• Continuous Improvement: We are always learning and getting better.
• People-Centric: We put people-borrowers and colleagues at the center of everything.
• Simplify & Remove Barriers: We make it easier for people to access what they need.
• Open & Direct Communication: We say what we mean and mean what we say.
• Flexibility/Agility: We adapt quickly and stay effective when things change.
• Impact Driven: We measure success by the difference we make.

Mission-Driven Team, Real Community Impact

The team, led by the Director of Loan Administration, provides pre-underwriting packaging, closing, and loan servicing resources to support borrowers throughout the loan life cycle. The Pre-Underwriting and Closing Specialist plays a critical role in ensuring loan files move efficiently and accurately from application through closing. This position is responsible for reviewing loan documentation for completeness and accuracy prior to underwriting, coordinating with borrowers and internal teams to resolve outstanding items, and supporting the closing process to ensure a smooth, compliant, and timely transaction. This role operates with a high degree of independence, serves as a technical resource to the Lending Team, and contributes to the continuous improvement of loan servicing processes and documentation.

The Pre-Underwriting and Closing Specialist role requires strong borrower-facing communication, technical acumen, and genuine commitment to our mission.

CEF offers a hybrid work environment with a blend of in-person connection and opportunities to be remote. Employees must be Colorado-based and can expect to travel to our Denver a minimum of one day per week to maintain on-site cross-functional collaboration with peers and leaders.

Responsibilities

• File Review & Packaging: Review incoming loan applications and supporting documentation for completeness, accuracy, and compliance with Required Document List (RDL) guidelines.
• Pipeline Management: Track loan file status across the pipeline, ensuring that files continue to progress through the loan lifecycle.
• Loan Closing: Prepare and review closing packages for commercial, small business, SBA 7a, and commercial real estate loans, making sure every document matches the approved loan terms, conditions, and credit memorandum requirements.
• Team Contributions & Cross-Functional Collaboration: Openly communicate and collaborate daily with Credit, Lending, and other departments to ensure smooth file handoffs and shared processes.

Requirements

What You Bring

• Minimum 2 years of experience in commercial banking, banking, credit union, or community bank experience. CDFI experience is a plus!
• Associate’s degree in business, finance, or related field.
• Working knowledge of commercial loan documentation, collateral, closing requirements, financial statements, and SBA 7a experience.
• Spanish fluency, spoken and written, required given the communities that CEF is serving.
• Cultural emotional intelligence that allows you to respectfully work across a broad range of cultures, backgrounds, personalities, and working styles.
• Advanced level understanding of business and personal financial statements and tax returns.
• Proficiency in using business software applications, including but not limited to Microsoft Office Suite, Adobe Acrobat, and Customer Relationship Management (CRM) Systems to document customer consultations and interactions.
• Experience working with spreadsheets (Excel or Google Sheets), including creating formulas and formatting for readability, and supporting others in using them.

Compensation and Benefits

As an established CDFI, we offer the following benefits:

• Health, vision, dental and life insurance, paid parental leave, as well as 100% employer-paid short-term and long-term disability coverage.
• CEF also offers a monthly hybrid work stipend, and a 403(b) retirement plan with employer match up to 5% of an employee’s contribution.
• Our paid time off policies include ten (10) paid holidays per year, fifteen (15) days paid vacation to start, with an increase in year two, along with paid health and wellness time.