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

Evaluation, Compliance, and Policy Associate

San Francisco, CA

Position Summary

The Northern California Community Loan Fund works with myriad programs, initiatives, and projects. Many of these require ongoing tracking, monitoring, and reporting. While these efforts are distributed across a number of departments in the organization, the Compliance and Evaluation Associate will be responsible for coordinating and supporting a substantial portion of this work. The Compliance, Evaluation, & Policy Associate holds the primary responsibility for maintaining the organization’s impact data. He/she will provide compliance support for loans and investments, government awards, and the New Markets Tax Credit (NMTC) program, among others. He/she will support the organization’s policy activities. The Compliance, Evaluation, & Policy Associate will report to the Director of Finance & Administration. He/she will work directly with and support other staff member as required on various programs, initiatives and priorities.  

Primary Responsibilities 

Outcome/Impact Tracking and Analysis (40%):

  • Ongoing collection, aggregation and analysis of program impact data
  • Participate in continuous quality improvement efforts with all departments on impact/outcome reporting
  • Maintain data quality by running regular reports, detecting and correcting errors.
  • Conduct regular structured interviews with borrowers, clients, investors, and other stakeholders
  • Data preparation for periodic and annual reports
  • Update and refresh data dictionary and methodology manual as appropriate
  • Provide ad hoc data to staff upon request
  • Assist departments with ongoing monitoring of actual performance to plan goals

Compliance (40%):

  • Review loan and grant agreements for reporting requirements and enter relevant deadlines and other dates into Salesforce
  • Monitor financial statement ratios
  • Prepare and provide periodic and annual reporting to investors and funders that conforms to the terms of loan and grant agreements
  • Serve as administrative lead for reporting to various government agencies
  • Serve as administrative lead for other special projects, including review by ratings agencies
  • Collaborate with other staff in the design and implementation of the organization’s internal controls, programs, policies and practices to ensure compliance with grant and investment requirements as well as federal, state and other regulations
  • Participate in Tax Credit compliance activities
  • Provide support for audits, tax forms, and other documents as necessary
  • Support reporting to federal, state or local agencies as needed
  • Cultivate the organization’s online presence in federal grants management systems and investor compliance and reporting portals
  • Other duties as assigned

Policy Support (20%):

  • Track relevant policy initiatives on the local, state, and federal levels
  • Prepare communications such as letters, information packages, supporting materials for both internal and external audiences
  • Track staff lobbying hours and expenses for reporting purposes and follow changes in lobbying compliance laws at federal, state, and local levels to make sure NCCLF stays within guidelines
  • Coordinate, track, and participate in NCCLF’s work with outside policy organizations
  • Maintain policy database

Required Qualifications:  

  • Two years of successful experience in policy, compliance, service, administration, or development; more than two years experience highly preferred
  • Strong attention to detail and accuracy
  • Ability to hold self accountable for high-quality, timely, and professional work product
  • Ability to manage multiple tasks simultaneously
  • Excellent grammatical and writing skills
  • Excellent verbal communication skills; ability to clearly and comfortably communicate with diverse public and internal contacts
  • Ability to be flexible and solve problems
  • Knowledge of MS Office word processing, spreadsheet, and presentation software.
  • Experience with database or CRM systems
  • Ability to prioritize and reprioritize projects as required
  • Ability to preserve confidentiality of sensitive information professionally and with integrity
  • Ability to  respond to the challenges of a changing environment and diverse job requirements
  • Ability to work in a team environment and interact professionally with all levels of the organization
  • Professional demeanor and appearance
  • Regular attendance and punctuality

Required Qualifications:  

  • AA, BA or BS Degree
  • Enthusiasm and commitment to work in community development field or nonprofit sector
  • Interest in Community Development Finance
  • Familiarity and experience with
  • Experience with GIS or other mapping systems
  • Experience with accounting and/or financial analysis

Compensation and Benefits:

Salary $55,000 – $63,000 plus an excellent benefits package including health, dental, retirement plan and three weeks of vacation.  

Position open until filled.

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 “Evaluation, Compliance, and Policy Associate” in the subject line.

Application Deadline: Open until filled.

Loan Officer

San Francisco, CA

Background and Position Summary

NCCLF has historically provided loans and NMTC financing primarily to nonprofits and alternatively structured enterprises such as co-ops, throughout the 46 northernmost counties of California.  Our borrowers have made use of our financing to develop affordable housing, a wide range of community facilities, create economic development projects, and provide working capital in order to make a difference in the lives of those who need help the most.

The Loan Officer (LO) serves as a credit professional within NCCLF and participates in the community development lending effort in Northern California.  The position’s primary responsibilities are to source and underwrite loan requests and provide technical assistance to NCCLF’s clients: nonprofit organizations which are acquiring community facilities, developing affordable housing, engaging in economic development activities or requesting working capital to meet the needs of low-income communities and underserved populations as well as organizations involved in increasing availability of healthy foods to these communities. The LO will also initiate and develop potential borrower relationships, and build and manage a base of referral sources and strategic partnerships to advance NCCLF’s mission and impact.

The position requires a highly motivated, experienced lender with a background in community development finance, commercial real estate, and/or nonprofit housing/facility development and must possess excellent communication skills.  The ideal candidate is also someone who understands the unique needs of the nonprofit sector, particularly nonprofit human service providers and affordable housing developers in Northern California.  The successful candidate must be a self-starter and must have the demonstrated ability to meet assigned goals successfully and on time.  Finally, the candidate should enjoy working in an active and expanding nonprofit and should be able to thrive in a friendly, cooperative, and fast-paced environment.

Primary Responsibilities 


  • Interview and screen potential loan applicants.
  • Perform financial analysis, due diligence and project feasibility assessment for potential loan candidates.
  • Provide informal technical assistance through the application and underwriting process, and, as needed, coordinate delivery of formal technical assistance activities through internal and external sources.
  • Prepare written credit memorandums with detailed analysis and recommendations for terms and credit structure.
  • Present credit analysis for review and approval to Loan Committee or other appropriate levels of authority within NCCLF as required by loan policies.
  • Work with the borrower and external parties through loan commitment terms and loan closing.
  • Assist the Loan Administration team with loan closing and ongoing monitoring activities.
  • Help develop and update loan policies, underwriting criteria and best practices for NCCLF’s main product lines.
  • Undertake special projects and other duties as assigned.

Business Development:

  • Develop and implement sales and marketing plans in targeted communities to achieve market penetration in accordance with lending goals.
  • Build and maintain close working relationships with referral sources, potential partners and funding sources.
  • Represent NCCLF at public meetings, events and conferences.
  • Market loan products and programs to potential borrowers and referral sources.
  • Follow up on loan inquiries and provide technical assistance to potential borrowers through the application process.
  • Maintain a contact database for ongoing sales and marketing efforts.
  • Develop new products or services to meet market demand.

Minimum Requirements

  • Minimum of three years of loan underwriting experience at a CDFI, bank or other financial institution, preferably related to affordable housing development or commercial real estate construction and asset management.
  • Undergraduate degree in business, finance, economics, or other relevant field.
  • Excellent underwriting skills, grounded in strong abilities to analyze financial statements, assess management and leadership, review collateral, interpret business and strategic plans, etc.
  • Excellent verbal and written communication skills.
  • Proven ability to generate client leads and maintain business relationships.
  • Superior judgment and attention to detail.
  • Excellent organizational skills, with a strong ability to work independently and with a team, handle multiple priorities and manage time efficiently.
  • Enthusiasm and a passionate commitment to work in community development.

Desired Qualifications, Skills, and Experience: 

  • Working knowledge of the Low Income Housing Tax Credit and New Market Tax Credit programs.
  • Understanding of and experience with healthy foods and food enterprises.
  • Experience in consulting and technical assistance in real estate development and/or finance, preferably with nonprofit clients.
  • Knowledge and experience with nonprofit community-based organizations in northern California.
  • Understanding of nonprofit finance and management best practices.
  • Understanding of and experience with community development lending and funding sources.
  • English/Spanish bilingual ability is a plus.


Position reports to the Senior Manager, Loan Underwriting; communicates regularly with referral sources and potential borrowing 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 program and operates in a collaborative, cooperative, team environment.  Workload will vary requiring flexibility with time. Outside meetings and some local travel within Northern California are required.

Hours and 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 may be accommodated.
  • Worksite will be in the offices of NCCLF in San Francisco, with some travel outside the Bay Area for site visits, business development, and conferences.

Compensation and 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 all backgrounds 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 Officer 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.