Mission-Driven Community Development Loan Officer (Miami)

Opportunity Finance Network; Miami (FL); Hybrid; USD 88,000 - 132,000; Full time

Benefits offered by this job

Hybrid work schedule

Competitive compensation package

Flexible benefits package

Medical Insurance

Dental, vision, disability and other保险

403(b) retirement plan

Generous PTO

Job summary

Florida Community Loan Fund (FCLF) seeks a Community Development Loan Officer to build lending presence in the Miami/South Florida market. You will develop borrower relationships, identify financing opportunities, and structure complex community development financing for affordable housing and local facilities.

You will underwrite, close, and manage loans, working with NMTC programs and specialized financing while maintaining portfolio quality and risk management.

Qualifications

• Minimum 5 years of experience in real estate lending.
• Bachelor's degree preferred; equivalent professional experience may be considered.
• Experience with CDFI lending or mission-driven community development lending a definite plus.

Responsibilities

• Develop and maintain a strong pipeline of community development lending opportunities by building relationships with nonprofit organizations, affordable housing developers, community leaders, funders, referral sources, and prospective borrowers.
• Identify and evaluate prospective projects in alignment with FCLF’s mission, lending criteria, credit standards, and NMTC program.
• Underwrite and structure commercial and community development loans, including review of borrower financials, budgets, pro formas, appraisals, site conditions, and due diligence.
• Prepare credit memoranda and present loan recommendations for review and approval.
• Monitor loan portfolio performance, identify credit risks, and manage delinquencies and servicing concerns.
• Maintain borrower relationships and coordinate extensions, modifications, or restructurings as needed.
• Partner with technical assistance providers to deliver training to potential borrowers.
• Contribute to Lending Committee and internal reporting on loan pipeline and matters.
• Represent FCLF in community and stakeholder forums and keep abreast of funding sources.

Skills

Real estate lending

Financial analysis

Relationship management

Travel

Independent work

Education

Bachelor's degree in finance or related field

Job description

Florida Community Loan Fund (FCLF) seeks a Community Development Loan Officer to build lending presence in the Miami/South Florida market. You will develop borrower relationships, identify financing opportunities, and structure complex community development financing for affordable housing and local facilities.

You will underwrite, close, and manage loans, working with NMTC programs and specialized financing while maintaining portfolio quality and risk management.