NCCLF promotes diversity and equal opportunity in the workplace and believes it is important for the continuing success of the Fund. In accordance with state and federal law, NCCLF will not discriminate against an employee or applicant due to race, disability, color, creed, religion, sex, age, national origin, ancestry, citizenship, veteran status, gender identity, sexual orientation, weight or height or other protected categories in hiring, promoting, demoting, training, benefits, transfers, layoffs, terminations, recommendations, rates of pay or other forms of compensation. Opportunity is provided to all employees based on qualifications and job performance.

Open Positions

Loan Associate

San Francisco, CA

Position Summary

NCCLF has historically provided loans and NMTC financing primarily to nonprofits, alternatively structured enterprises such as co-ops, and food-related businesses throughout Northern and Central California. Our borrowers have made use of our financing to develop affordable housing, a wide range of community facilities, promote economic development and access to healthy foods, and provide working capital in order to make a difference in the lives of those who need help the most.

The Loan Associate will assist with the lending, monitoring and reporting operations for a highly successful community development financial institution. Responsibilities will include documenting and closing commercial real estate, construction and working capital loans and lines of credit to organizations serving low-income communities in Northern California. The Loan Associate will also be responsible for Lending Department operations and monitoring functions to ensure compliance with terms and conditions of all loans including preparing and maintaining lending records and reports. NCCLF currently has a loan portfolio of approximately 70 borrowers with aggregate outstanding balances of over $45 million, and a New Market Tax Credit (NMTC) portfolio of over $158 million, covering seventeen projects.

The position requires a highly motivated person with a background in commercial real estate or small business lending operations. The ideal candidate is also someone who understands the unique needs of nonprofit human service providers, affordable housing developers, or healthy foods enterprises. The candidate must be a self-starter, have the demonstrated ability to accurately and efficiently work on several tasks simultaneously and have superior written and verbal communication skills. Finally, the candidate should enjoy working in an active and expanding nonprofit and thrive in a friendly, cooperative, and fast-paced environment.

Primary Responsibilities 

Loan Documentation & Closing (40%):

  • Coordinate closing and funding process in conjunction with the other Loan Associates and Manager of Loan Administration, Loan Officers, borrowers, outside legal counsel, title officers and related parties
  • Document commercial real estate loan transactions (including construction loans and New Markets Tax Credit loans) from commitment to funding in a timely manner
  • Review title reports, escrow instructions, loan documents, surveys, environmental, property condition reports, insurance and other exhibits ensuring no losses as a result of improper closing procedures
  • Ensure compliance with all loan requirements, commitment and approval conditions
  • Anticipate and effectively manage closing problems by identifying and recommending solutions to meet the needs of NCCLF and our borrowers
  • Ensure files are kept organized, maintaining an audit trail of all closing steps

Lending Operations (40%):

  • Communicate effectively with borrowers and serve as one of the primary points of contact for loan closing and post-closing
  • Review and process funding disbursement requests, ensuring proper documentation and compliance with loan conditions.
  • Collect quarterly financial statements and reporting documentation and assist in determining financial condition, credit-worthiness and project compliance for all borrowers
  • Monitor compliance with credit policies covering risk management and participate in quarterly monitoring and loan loss reserve meetings
  • Maintain working knowledge of loan policies and protocols
  • Work closely with Finance Department to ensure correct accounting for all loans
  • Effectively track, analyze, communicate, and make recommendations to address loan delinquencies
  • Maintain post-closing credit and monitoring of original documents and electronic files
  • Prepare and maintain Lending Department operations and activity reports
  • Maintain the loan portfolio management system and related databases

Social Impact, Compliance, & Reporting (10%):

  • Work with Finance and other staff to prepare annual and quarterly reports to the CDFI Fund and multiple other funders and investors
  • Work collaboratively with other departments to manage information, reporting and document preparation for various internal and external needs include funding requests, grant reports, annual audit, securities permit application and compliance with investor covenants.

Other duties as assigned (10%):

  • Assist or lead ad-hoc projects as assigned that may include industry research, product development, operational efficiency, compliance and reporting systems protocol, social impact tracking development, funding applications or policy analysis

Minimum Requirements:

  • Undergraduate degree in business, finance, economics, accounting or related field
  • Minimum of two years of commercial real estate or small business loan operations experience with a demonstrated expertise in loan closing and monitoring, preferably in the field of community development lending
  • Must demonstrate a high level of attention to detail and commitment to accuracy
  • Excellent communication and organizational skills
  • Superior judgment and prudent decision making abilities
  • Financial analysis and database skills (e.g. Salesforce) with a demonstrated proficiency in MS Office Suite
  • Demonstrated ability to consistently multi-task and manage a varied and occasionally intense workload
  • Exhibit a high degree of professionalism demonstrating accuracy, timeliness, and teamwork
  • Ability to build relationships internally and externally and elicit confidence by demonstrating reliability and professionalism
  • Strong team player and ability to work effectively in a cooperative and diverse environment
  • Enthusiasm, entrepreneurial spirit, and a strong commitment to work in community development
  • Ability to develop strong relationships with clients and other stakeholders

Desired Qualifications, Skills & Experience:

  • Understanding of and experience with affordable housing development, nonprofit community facility construction, and asset management
  • Familiarity with real estate loan documents and basic legal terms
  • Understanding of and experience with either the New Markets Tax Credit program or Healthy Foods access.
  • Knowledge and experience with nonprofit community-based organizations


Position reports to the Manager of Loan Administration; communicates regularly with borrowers and clients; attends and participates in Loan Committee meetings; interacts extensively with the lending team and staff/management in other NCCLF departments; and represents NCCLF to outside constituencies.

Job Context:

Position is pivotal to the success of the Lending and Finance Departments and operates in a collaborative, cooperative, team environment. Workload will vary requiring flexibility with time. Outside and evening meetings are occasionally required.

Hours & Location:

  • Full-time position
  • Work hours will be predominantly during regular business hours, although occasional evening or weekend hours will be required. A flexible schedule can be accommodated.
  • Worksite will be based within the offices of NCCLF in San Francisco

Compensation & Benefits:

Competitive nonprofit salary range depending upon experience, plus an excellent benefits package including health, dental, retirement plan and three weeks’ vacation.

NCCLF is an equal opportunity employer; people of color and women are strongly encouraged to apply.

Send résumé and cover letter:
Northern California Community Loan Fund
Attn: HR
870 Market Street, Suite 677
San Francisco, CA94102

Fax to 415-392-8216 or email to with “Loan Associate Search” in the subject line.

Application Deadline: Open until filled.

Community Development Specialist

San Joaquin Valley, CA

NCCLF works with governmental and nonprofit organizations to assist with planning the real estate needs of their programs. In the San Joaquin Valley, focal areas for our work include community facilities, affordable housing, and mixed use developments for organizations that serve low income communities.

The SJV Community Development Specialist has an entrepreneurial spirit and is comfortable working independently. S/He has deep knowledge of the community development sector (affordable housing, social services, healthy food, community arts), community based organizations, funders, local businesses and government entities.

The SJV Community Development Specialist will conduct marketing and outreach activities to identify potential clients and opportunities for NCCLF. S/he will develop potential borrower and client relationships, build and manage a base of referral sources and align strategic partnerships to further NCCLF’s mission and impact in the San Joaquin Valley. S/He will identify public sector entities and nonprofit organizations that serve low income communities and will assist them with business planning and evaluation; connecting them to necessary resources. S/He will work with the Business Development Loan Officer to organize the Community Facilities Challenge at Fresno State University.

This position is based in our Fresno office. The successful candidate must be comfortable working in a satellite office and collaborating with staff in the San Francisco office.

Primary Responsibilities

Business Development:

  • Represent NCCLF at various community meetings, convenings, and conferences.
  • Market NCCLF’s services and products to CBO’s, municipalities, and other potential clients.
  • Identify key partnerships and collaborations for NCCLF to participate in.
  • Meet with funders to discuss our services

Client Services

  • Work with clients to determine the goals and feasibility of their affordable housing/community facility/healthy food projects.
  • Assist CBOs with business planning and provide referrals to resources
  • Collaborate with other NCCLF staff to determine the capacity of the client’s financial structure to support project costs and debt.
  • Manage and maintain positive client relationships.
  • Organize, plan and conduct workshops on financial and/or real estate related topics.
  • Measure and track results of consulting engagements.
  • Assist program staff with creation of marketing materials and marketing strategies for informational workshops.

Community Facilities Challenge:

  • Identify and evaluate potential sites and host CBO’s/municipalities.
  • Coordinate program with FSU professors and other partners.
  • Coordinate/provide real estate training workshop for students.

Program Management & Administration

  • Work with staff to maintain NCCLF consultant and borrower referral network.
  • Attend NCCLF staff meetings (via conference call and/or in-person).
  • Prepare applications and reports to external funders (government agencies, foundations, etc) for third party contracts.

Minimum Requirements:

  • 5+ years management experience in a community based organization, foundation, or municipality.
  • Experience with one or more of the following: nonprofit financial management, real estate, banking, small business development, or healthy food programs
  • Familiarity with community development organizations, funders, and government entities in the San Joaquin Valley.
  • Excellent written and oral communication skills.
  • BA degree in a related field, or equivalent experience.
  • Automobile required and valid California Drivers License.
  • Ability to attend meetings and events in San Francisco
  • Ability to conduct site visits throughout San Joaquin Valley.

Desired Qualifications, Skills & Experience:

  • Experience with developing and/or managing affordable housing, community facilities and/or multi-tenant centers.
  • Experience with providing technical assistance, consulting and training, including curriculum development, webinars, group presentations and individual consultations.
  • Experience with providing technical assistance, consulting and training, including curriculum development, webinars, group presentations and individual consultations.
  • Familiarity with commercial lease negotiations and commercial Real Estate brokerage practices
  • Familiarity with commercial tenant improvement construction practices.
  • Bilingual/biliterate in Spanish..
  • Masters degree in a related field or equivalent experience

Compensation and Benefits:
Position is 80% time (32 hours/week). Starting salary is $56,000 – $60,000, depending on experience, plus an excellent benefits package including health, dental, retirement plan and three weeks vacation.

Send résumé and cover letter:
Northern California Community Loan Fund
Attn: HR
870 Market Street, Suite 677
San Francisco, CA94102

Fax to 415-392-8216 or email to with “SJV-Community Development Specialist” in the subject line.

Application Deadline: Open until filled.