Communities on the margins of opportunity deserve a trusted partner on their journey towards financial growth and stability. As a locally invested, collaborative partner in social justice and financial equity, Northern California Community Loan Fund (NCCLF) provides nonprofits, small businesses, and social enterprises with strategic investment and guidance deepening work, scaling impact, and strengthening our communities.

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 Officer/Senior Loan Officer

San Francisco, California

NCCLF’s Lending Department provides loans and NMTC financing to nonprofits, alternatively-structured social enterprises, and food-related businesses throughout Northern and Central California with an emphasis on achieving greater racial and economic equity.  Our borrowers have made use of our financing to develop affordable housing, build and acquire community facilities, create economic development projects, support access to healthy foods, and strengthen their operations in order to make a difference in the lives of the communities that they serve.

The Loan Officer (LO) or Senior Loan Officer (SLO) serves as a credit professional within NCCLF and participates in the community development lending effort.  The position’s primary responsibilities are to source and underwrite loan requests and provide technical assistance to NCCLF’s clients. The LO/SLO 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 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 NCCLF’s goal of advancing racial and economic equity and 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 (Loan Officer) or five years (Senior Loan Officer) 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. Relevant work experience can be a substituted for required education.
  • 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 equitable community development.

Desired Qualifications, Skills and Experience:

  • Working knowledge of the Low Income Housing Tax Credit and New Market Tax Credit programs.
  • 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.
  • Familiarity with food-related lending.
  • English/Spanish bilingual ability is a plus.

Position reports to the Manager, Community Development Lending; 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 of 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 “Attn: Loan Officer” in the subject line.

Application Deadline: Open until filled.

Consulting Program Analyst

San Francisco, CA

The Consulting Program provides technical assistance in financial management and real estate services for nonprofit organizations. Our team of consultants use wisdom, industry expertise, and passion to improve nonprofit programs and services. Through strategic guidance and trainings, we identify and create effective strategy to secure the necessary resources that meet organizations’ day-to-day operational problems, as well as how to engage in long-term planning.

The Consulting Analyst supports the Consulting team by providing quantitative and qualitative financial and real estate analysis for consulting engagements, conducting research on real estate market data, preparing presentations for workshops and client engagements, compiling client data, and providing support to a team of 8 consultants for client engagements.  In addition, the Consulting Analyst will provide support to users of Spaces for Good, an online space listing service, and help maintain the Spaces for Good online resource center.  The Consulting Analyst will be a knowledgeable Salesforce, Excel, PowerPoint, CoStar, and Google Earth user who will create special reports to analyze real estate, financial, and client impact data.

Primary Responsibilities 


  • Conduct analysis of financial data, real estate documents, and client materials.
  • Input data into financial models.
  • Conduct research on CoStar database to identify real estate listings for clients and lease comparables, based on their specific needs.
  • Prepare reports summarizing real estate trends using data from the CoStar database.
  • Assist Consultants with research and application preparation.

Consultant Support

  • Work with consultants to prepare contracts for service.
  • Integrate client’s scope of work into standard NCCLF contracts.
  • Manage the collection of initial documents related to the consulting engagements.
  • Coordinate logistics for client meetings.
  • Assist consultants with administrative tasks for consulting engagements.
  • Coordinate with listing agents and clients to schedule site visits at properties for lease or sale.
  • Assist with the preparation of PowerPoints and materials for consulting engagements.
  • Attend client meetings and manage client’s project documentation.
  • Assist with the creation of presentations for public review.
  • Prepare reports on consulting engagements.
  • Maintain and update a list of client referral sources.

Support of Spaces for Good Virtual Resource Center and Space Listing Service:

  • Assist users with posting space listings on the online space listing service.
  • Monitor and analyze usage of space listing service.
  • Assist with marketing for the Spaces for Good virtual resource center and space listing service.
  • Edit tools and resources to post on virtual resource center.
  • Coordinate with NCCLF Development Department staff to generate marketing materials and business development strategies.
  • Work with the Development staff to update Virtual Resource Center.

Minimum Requirements:

  • BA degree in business, finance, accounting, management or related field. Relevant work experience can be a substituted for required education.
  • Excellent verbal and writing skills.
  • Excellent customer service skills.
  • Excellent skills in Microsoft Excel, Power Point, and Google Earth.
  • Ability to produce professional quality work that meets agreed upon deadlines.
  • Superior judgment, attention to details and deadlines.
  • Strong team player skills and ability to work effectively in a cooperative and diverse environment.
  • Enthusiasm, entrepreneurial spirit, and a passionate commitment to work in community development and the nonprofit sector.
  • Understanding of and ability to work with a range of nonprofit clients which reflect the diversity of the Bay Area and Northern California.
  • Ability to lift and carry up to 25 lbs. without assistance.
  • Valid California Driver’s License for required driving.

Desired Qualifications, Skills & Experience:

  • Experience with real estate/nonprofit facility development or nonprofit financial management.
  • Prior experience as a program assistant/analyst.
  • Experience with the review or analysis of nonprofit financial statements.
  • Understanding or experience with the New Markets Tax Credit Program.
  • Experience with Salesforce, GIS, CoStar, or website management.

Compensation and Benefits:

Salary $57,500 – $62,500 DOE, plus an excellent benefits package including health, dental, retirement plan and three weeks of 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 “Attn: Consulting Program Analyst” in the subject line.

Application Deadline: Open until filled.