Loan Officer

Shift HR; Spartanburg (SC); On-site; USD 65,000 - 90,000; Full time

Job summary

Climb Fund in Spartanburg is seeking a Loan Officer to build relationships with community partners and help small businesses access capital. You will meet borrowers, review financials, and analyze creditworthiness to structure terms that work for all parties.

You will engage in community events, present loan proposals for approval, and provide guidance to applicants while staying visible in the communities served by Climb Fund.

Qualifications

• Ability to build relationships with entrepreneurs and business owners.
• Clear, professional communication with confidentiality.
• Comfort reviewing financial statements and making data-driven lending decisions.
• Ability to manage multiple loan applications without losing composure.
• Proactive, organized, and reliable work ethic.
• Belief in improving lives and communities through access to capital.

Responsibilities

• Build and nurture relationships with community leaders and referral partners.
• Represent the organization at community events, meetings, and networking opportunities.
• Meet with prospective borrowers to understand their goals and funding needs.
• Collect and review financial documents to support sound lending decisions.
• Analyze creditworthiness and evaluate collateral.
• Structure loan terms and negotiate agreements that work for everyone.
• Prepare and present loan proposals for management approval.
• Deliver timely application review and excellent communication with borrowers.
• Provide technical assistance and guidance to applicants and small business owners.
• Connect with and occasionally present to the Board.
• Volunteer and stay visible in the community we serve.

Skills

People skills

Communication

Financial statement review

Data-driven decisions

Multitasking

Organizational skills

Proactivity

Job description

Loan Officer - Spartanburg County/Rock Hill

Climb Fund

Do you love meeting people, building relationships, and helping small businesses get the capital they need to grow? Do spreadsheets and community events both make sense in your world? If yes - keep reading.

What You'll Be Doing (aka your everyday impact)

• Build and nurture relationships with community leaders and referral partners
• Represent the organization at community events, meetings, and networking opportunities
• Meet with prospective borrowers to understand their goals and funding needs
• Collect and review financial documents to support sound lending decisions
• Analyze creditworthiness and evaluate collateral
• Structure loan terms and negotiate agreements that work for everyone
• Prepare and present loan proposals for management approval
• Deliver timely application review and excellent communication (no ghosting borrowers - we're all adults here)
• Provide technical assistance and guidance to applicants and small business owners
• Connect with and occasionally present to the Board
• Volunteer and stay visible in the community we serve

What Makes You a Great Fit

• You genuinely enjoy people — from new entrepreneurs to seasoned business owners
• You communicate clearly and professionally, and you keep confidences (no gossip lenders)
• You're comfortable reviewing financial statements and making data-driven decisions
• You can manage multiple applications without losing your cool - or your coffee
• You're proactive, organized, and follow through on what you say you'll do
• You believe access to capital can change lives and communities

Why Work With Us

• Your work directly impacts real businesses and real families
• Supportive leadership and a mission-driven environment
• Opportunities to engage in the community, not just sit behind a desk
• Professional growth in lending, underwriting, and community development