Loan Officer / Relationship Manager

The role

The Loan Officer / Relationship Manager will lead the commercial real estate lending process by originating, evaluating, and structuring loans. This person will act as the main point of contact for borrowers and manage mission-aligned loans through business development and relationship management.

What you will do

• Originate mission-aligned loans by managing an existing customer base and developing new relationships.
• Serve as a trusted resource to borrowers by providing guidance throughout the lending process.
• Collect, analyze, underwrite, and structure loan requests.
• Partner with Credit staff to prepare and present loan packages to the Loan Committee and Board.
• Prepare preliminary and final commitment letters.
• Support loan closings in accordance with CDF's lending policies.
• Collaborate with the Construction Manager and Portfolio Manager to support construction loan disbursements and monitoring.
• Assist with ongoing portfolio monitoring and resolution of troubled loans.
• Build and maintain strong relationships with borrowers, internal teams, and partners.
• Stay current on real estate development lending practices.

Required qualifications

• Bachelor's degree in business, finance, real estate, or a related field
• At least 3 years of experience in community development, commercial real estate finance, banking, or a similar field
• Experience in community development finance, commercial real estate lending, banking, or a related field
• Knowledge of community development financing tools and resources (NMTC, LIHTC, Historic Tax Credits, and other local, state, and federal programs)
• Demonstrated ability to build relationships and develop business opportunities through networking, community engagement, and partnerships
• Ability to analyze financial statements and apply established underwriting criteria and risk profiles
• Strong sales, customer service, and relationship-building skills
• Highly organized with strong time-management skills and attention to detail
• Collaborative relationship-builder with a positive attitude and strong interpersonal skills
• Proficiency in Microsoft Office (Word, Excel, Outlook, PowerPoint)
• Passion for community and economic development, including affordable housing

Nice to have

• Experience with affordable housing, tax credit transactions, CDFIs, or mission-driven lending
• Experience with affordable housing programs and developing partnerships to support affordable housing lending
• Nonprofit or mission-driven lending experience
• Professional certification in community or economic development finance (Grow America, Novogradac, IEDC, NeighborWorks, or similar)

Benefits

• Generous paid time off
• Comprehensive benefits options including medical, dental and vision insurance
• Long-term and short-term disability insurance
• 403(b) retirement plan (with company contribution)
• Company-paid life insurance
• Tuition reimbursement
• Technology stipend

About the company

Cincinnati Development Fund is a 501(c)(3) nonprofit lending institution that provides funding for real estate development in underserved markets in the Greater Cincinnati area and facilities and equipment funding for nonprofit organizations in the region.