Commercial Loan Officer

Commercial Loan Officer

Reports to: Chief Financial Officer

Classification: Full-time, Exempt

The Commercial Loan Officer is Homewise's face in the community lending world the person New Mexico small business owners, nonprofit leaders, and community developers turn to when they need financing that traditional banks can't provide. Reporting to the Chief Financial Officer, you'll own every stage of the relationship: sourcing deals, analyzing credit, presenting to the Loan Review Committee, and managing the portfolio long after closing. The role suits someone who enjoys all sides of commercial lending analytical, relational, and presentational and sees each as different ways of serving the same mission: building thriving communities across New Mexico.

You'll Be a Great Fit If:

• You know how to look at a business rather than a person, and you understand that the questions are different.
• You can analyze a business the whole way through reviewing financial statements, tax returns, cash flow projections, and balance sheets; evaluating whether the assumptions behind the projections are reasonable; and calculating the ratios that tell the real story.
• You know when to structure a deal differently, when to add a guarantor, when to substitute collateral, and when the right answer is no.
• You can present a credit memo to a committee and defend it.
• You're a business developer at heart.
• You take the long view. Commercial lending relationships play out over years through forbearances, restructures, collateral changes, payoffs and you're prepared to own the whole arc.
• You're bilingual in English and Spanish and can build trust and hold serious financial conversations in either language.
• You own your pipeline, your portfolio, your committee submissions, and your community relationships with minimal supervision.
• You believe in mission-driven lending.
• You're detail-oriented in data and believe clean data is what makes you credible to investors and to committee.

What You'll Be Doing

• 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.

Competencies

• Consultative Conservation Skills : Identifies borrower needs through dialogue and structures appropriate financing solutions
• Analytical Thinking: Evaluates complex financial information to form sound credit recommendations
• Leadership: Engages, motivates, and empowers team to achieve organizational and individual growth.
• Proactivity: Brings forward new ideas and drives initiatives without being directed.
• Talent Development: Recruits, develops, and retains high-performing team members.
• Results-Oriented: Aligns work to measurable outcomes and strategic goals.
• Decision-Making: Generates innovative solutions and moves projects forward with confidence.
• Collaboration: Builds strong cross-functional relationships and fosters teamwork.
• Qualitative & Quantitative Analysis: Performs effectively in a fast-paced, evolving environment.
• Communication Skills: Presents analysis and recommendations clearly, orally and in writing
• Listening Skills: Seeks understanding, anticipates needs, and offers innovative solutions.
• Independent Work: Operates effectively with minimal supervision.
• Community Commitment: Understands and reflects Homewise's mission in borrower relationships and business development

Education and Experience

• Bachelor's degree in related field.
• 3-5 years of commercial lending experience
• Demonstrated excellence in verbal and written communication, including public speaking.
• Bilingual in English & Spanish strongly preferred