Senior Loan Officer

ImpactAlpha; Arlington (VA); Hybrid; USD 95,000 - 140,000; Full time

Benefits offered by this job

Hybrid work environment

Competitive compensation

Job summary

Rochdale Capital is seeking a Senior Loan Officer to advance mission-driven lending across small business, nonprofit, commercial real estate, affordable housing, and community development loans.

You will lead underwriting, analyze financial performance, and structure loan transactions while balancing portfolio performance with social impact. The role requires collaboration with borrowers and internal teams throughout the loan lifecycle in a hybrid work setting.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business, Community Development, Real Estate, or related field.
• 5+ years in commercial lending, underwriting, credit analysis, portfolio management, or community development finance.
• Strong financial analysis skills and ability to evaluate complex financial statements.
• Experience with CDFIs or mission-driven lenders preferred.
• Ability to balance portfolio performance with community impact objectives.

Responsibilities

• Lead loan underwriting and credit analysis for small business, nonprofit, commercial, affordable housing, and community development loans
• Evaluate lending opportunities and assess alignment with the organization’s mission and financial criteria
• Analyze borrower financial performance and prepare comprehensive financial analysis documentation
• Structure loan transactions and develop appropriate terms and conditions
• Prepare detailed credit recommendations for loan approval decisions
• Manage and oversee a portfolio of community development loans
• Conduct credit risk assessments to evaluate potential loan performance
• Manage borrower relationships throughout the complete loan lifecycle
• Present credit recommendations to loan committee or decision-makers
• Monitor portfolio performance and identify early warning indicators
• Ensure compliance with CDFI requirements and lending policies

Skills

Financial analysis

Underwriting

Credit risk assessment

Borrower relationships

Portfolio management

Community development lending

Education

Bachelor’s degree in Finance, Economics, or related field

Job description

About Rochdale Capital

Rochdale Capital is a certified Community Development Financial Institution (CDFI) dedicated to expanding cooperative and community ownership, building assets in low-wealth communities, and increasing access to affordable, flexible capital. As a CDFI, the organization operates with a mission-driven approach to lending that balances financial sustainability with meaningful community impact. The organization specializes in providing lending solutions across multiple sectors including small business, nonprofit organizations, commercial real estate, affordable housing, and community development projects. Rochdale Capital works with borrowers throughout the complete loan lifecycle, offering flexible and responsible lending products designed to serve communities that traditionally face barriers to accessing conventional financing. Rochdale Capital is a growing organization committed to creating economic opportunity and strengthening communities through responsible lending practices. The institution emphasizes both portfolio performance and community impact, recognizing that sustainable financial practices and community benefit are mutually reinforcing objectives.

About this Role

Rochdale Capital is seeking an experienced Senior Loan Officer to help advance its mission of expanding cooperative and community ownership and building assets in low-wealth communities. This role offers the opportunity to make a meaningful impact through mission-driven lending while managing a diverse portfolio of loans across multiple sectors. In this position, you will evaluate lending opportunities and analyze financial performance to identify viable projects that align with the organization’s community development mission. You will structure loan transactions, prepare comprehensive credit recommendations, and manage a portfolio of small business, nonprofit, commercial, affordable housing, and community development loans. Your work will involve leading loan underwriting activities, conducting rigorous credit risk assessments, and overseeing borrower relationship management. You will work closely with borrowers throughout the loan lifecycle, balancing the need for strong portfolio performance with the organization’s commitment to meaningful community impact. This role requires collaboration with internal teams and external stakeholders to ensure successful loan origination, underwriting, and portfolio management.

Responsibilities

• Lead loan underwriting and credit analysis for small business, nonprofit, commercial, affordable housing, and community development loans
• Evaluate lending opportunities and assess their alignment with the organization’s mission and financial criteria
• Analyze borrower financial performance and prepare comprehensive financial analysis documentation
• Structure loan transactions and develop appropriate terms and conditions
• Prepare detailed credit recommendations for loan approval decisions
• Manage and oversee a portfolio of community development loans
• Conduct credit risk assessments to evaluate potential loan performance
• Manage borrower relationships throughout the complete loan lifecycle
• Present credit recommendations to loan committee or decision-makers
• Monitor portfolio performance and identify early warning indicators
• Ensure compliance with CDFI requirements and lending policies

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Business, Community Development, Real Estate, or a related field
• 5 or more years of experience in commercial lending, underwriting, credit analysis, portfolio management, or community development finance
• Strong financial analysis skills and ability to evaluate complex financial statements
• Demonstrated underwriting expertise and credit risk assessment capabilities
• Experience managing borrower relationships and presenting credit recommendations to stakeholders
• Knowledge of affordable housing, nonprofit, commercial real estate, small business, or community development lending preferred
• Prior experience with a CDFI, community development lender, bank, credit union, or mission-driven financial institution preferred
• Ability to balance portfolio performance with community impact objectives

Benefits

• Competitive salary
• Comprehensive benefits package
• Hybrid work environment
• Opportunity to make meaningful community impact through mission-driven lending
• Work with a growing organization committed to economic opportunity and community strengthening
• Engagement with diverse lending sectors and community development projects