Bilingual Loan Officer (English & Spanish)



The Loan Officer will support FINANTA’s delivery of first-time homebuyer mortgages, consumer, entrepreneur, and nonprofit economic development loans. The Loan Officer will facilitate the lending process from start to finish, including origination, underwriting, closing, and ongoing servicing for both existing and new clients, while also providing loan packaging assistance as needed.

  • Originate, underwrite, and close loans
  • Meet or exceed unit’s monthly loan goals
  • Provide loan packaging assistance to customers
  • Refer customers to other units of the organization as needed


Increase customer base

  • Build and maintain a pipeline of potential customers within FINANTA’s target market

Assess and identify prospects

  • Perform intake process for potential customers and input information in the organization’s database (TEA)

General Underwriting

  • Require loan underwriting information and application fee from borrower
  • Seek borrower’s permission to pull credit and get the authorization form executed, if applicable
  • Pull and review credit
  • Conduct site visit to potential borrower, if applicable
  • Analyze information (background, expertise, experience, market conditions, competition, financials, sources & uses of funds, budget, credit, risk & mitigating factors, and community impact when underwriting nonprofit loans).
  • If declined, draft a letter of decline within 2 weeks from intake
  • Draft credit memo for approval
  • Seek approval from Management, Credit Committee and / or Board as required per Corporate Policy
  • Ensure availability of funds from Accounting prior to commitment
  • Refer to technical assistance department for credit coaching as required

Loan Documentation

  • Prepare closing list, submit to, and coordinate closing with Loan Servicing Officer
  • Prepare loan documents
  • Prepare check request and submit to Accounting
  • Provide escrows information to Accounting
  • Prepare binders and update TEA database
  • Input loan information as per reporting requirements


  • Provide closing information to Loan Servicing Officer
  • Coordinate first payment and due date with Accounting
  • Seek supporting documentation for use of loan proceeds from each borrower
  • Support collection process, including site visits and drafting payment plans as needed
  • Support defaults and foreclosures according to Corporate Policy

Other Lending Functions

  • Contribute to the development of new lending products and services
  • Seek customer referrals
  • Attend networking events
  • Manage existing portfolio and evaluate eligibility and terms for subsequent loan
  • Maintain files in TEA database
  • Arrange technical assistance for potential customers as necessary
  • Document customer success stories, job retention/creation, revenue, assets, credit score changes, and other metrics as necessary at the beginning and the end of loan term


  • Tend to evening and weekend work as needed
  • Work with and support staff on all programmatic lending implementation activities
  • Participate in staff group meetings and provide input as to the impact of lending work implementation
  • Work closely with staff under strict accuracy and transparency
  • Report on any and all irregularities or improprieties of staff and customers, including, but not limited to conflict of interest
  • Pay extreme attention to detail
  • Analyze and prepare reports on data analysis
  • Focus on understanding needs presented by individuals; remain open and respectful to others’ ideas and viewpoints
  • Speak clearly and positively, write clearly and informatively, present numerical data effectively, and interpret information competently
  • Know mission and business of the organization, and align work and values accordingly
  • Follow policies and procedures, complete tasks correctly and on time, contribute to lending goals and objectives
  • Approach all people in a tactful manner, react appropriately under pressure, treat others with respect, and accept responsibility
  • Follow instructions, respond to directions, keep commitments, understand, agree and comply with customer confidentiality required by the position, and show flexibility in working schedule to meet organization and customer priorities


  • An Associate’s or Bachelor’s degree in related field
  • At least one (1) year or more experience in mission driven lending
  • Excellent writing and verbal communication skills
  • High proficiency in Excel and other Microsoft Office software
  • MUST be fluent in English and Spanish due to organization’s diverse customer base


  • 100% HMO single coverage
  • 100% short/long term disability coverage
  • Simple IRA employee retirement plan matched by FINANTA for up to 3% of total yearly salary

To apply, please send resume and cover letter to with the subject line “Loan Officer Position”

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