Senior Loan Officer, Western Region Market Leader

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The Senior Loan Officer, Western Region Market Leader is passionate about providing access to capital to build and strengthen a high quality, affordable, accessible primary care sector to support healthy and thriving communities and health equity. The Senior Loan Officer plays a central role in the growth and expansion of PCDC’s lending business, with primary responsibility for leading PCDC’s lending activities in the Western United States, accountable for positioning PCDC as a leader in health care financing in the Western markets. The Senior Loan Officer maintains knowledge of local, regional and national healthcare trends, and applies that knowledge to support and inform business development and the creation of new products and initiatives to serve Western Markets. The Senior Loan Officer is accountable for lending operating performance for the Western markets, including achieving expected financial outcomes in PCDC’s business plan and annual budgets. The Senior Loan Officer is a member of the organization’s senior leadership team.

Specific Responsibilities:

Marketing and Business Development

The Senior Loan Officer leads business development efforts for Capital Investment in Western markets. The Senior Loan Officer is responsible for developing and maintaining relationships with key stakeholders, including health care providers, CDFIs, banks, government agencies, policy makers, public officials, consultants, technical assistance providers, and others involved in community development in Western markets. The Senior Loan Officer is accountable for loan origination activities, including originating, structuring, underwriting, and closing transactions.  Specifically, the Senior Loan Officer will:

  • Identify and explore opportunities and cultivate relationships across the spectrum of community health providers through California, including behavioral health and primary care providers.
  • Engage with clients to understand needs and develop financing solutions to meet those needs.
  • Work with borrowers through all stages of the financing process, from sourcing new projects, assessing the viability of borrowers and projects, conducting financial analyses, underwriting and structuring loans, preparing and presenting credit proposals, and negotiating financing solutions in accordance with credit policy and guidelines.
  • Develop and maintain knowledge of Western markets, and identify evolving trends, and risks and opportunities.  Disseminate knowledge to inform Capital Investment practice and PCDC broadly.
  • Cultivate and maintain strong relationships with current and future borrowers, key stakeholders, and partners.
  • Ensure efficient and productive lending operations for the market, including communication and coordination with the Chief Lending Officer, Chief Credit Officer and the portfolio management staff to ensure sound risk and asset management practices.

New Loan Product Development

The Senior Loan Officer, working with the Managing Director, Chief Lending Officer, and Chief Credit Officer, assists in designing, testing and implementing new loan products intended to provide additional services to health care providers and the community development field in the Western United States. The Senior Loan Officer will:

  • Develop processes to support program delivery, including training and educating participants, application, underwriting, and asset management.
  • Oversee the implementation and delivery of programs in Western markets.

Credit and Risk Management

The Senior Loan Officer, working closely with the Chief Lending Officer, Chief Credit Officer, and the portfolio management staff to maintain portfolio quality and ensure sound risk and asset management practices, will:

  • Underwrite, structure, and negotiate financing solutions within appropriate and relevant credit policy guidelines.  Prepare and present credit proposals to Chief Credit Officer and loan committees.  Prepare commitment letters and coordinate the loan closing process, in accordance with credit guidelines and committee approvals.
  • Monitor and assist with the management of relationships in the portfolio.
  • Oversee management and compliance of statutory and regulatory requirements for funds and programs.


The Senior Loan Officer may provide direction, input, guidance and support on local and state legislative and policy initiatives relating to PCDC’s lending and program activities.

Administration and Leadership

The Senior Loan Officer will manage Western operations in collaboration with PCDC’s Administration and Finance staff.  As needed, this will include regular contact with all Western based staff, managing the office/operations, and ensuring that PCDC’s policies and procedures are maintained.  The Senior Loan Officer will build and maintain positive relationships with PCDC’s national office and participate in PCDC’s Leadership Team.

Candidate Profile

The ideal candidate will have the following professional and personal qualities, skills, and characteristics:


  • A Bachelor’s degree from an accredited college or university in Business or Finance (Master’s degree in Business, Finance or related field preferred).
  • A minimum of ten years lending experience in community development and/or community facility financing, including underwriting and management of construction and permanent commercial loans, preferably with a CDFI or other community development lender.
  • Must have advanced knowledge of specialized or technical field, or a thorough knowledge of the practices and techniques of a professional field. May require knowledge of policies and procedures, and the ability to determine a course of action based on these guidelines.
  • In-depth knowledge of credit and lending products and services, as well as analysis of financial indicators related to credit management.
  • Knowledge of, or commitment to, the healthcare industry and primary healthcare.
  • Record of successful business development in Western markets.
  • Knowledge of New Markets Tax Credits (NMTC) and Community Development Financial Institutions (CDFIs) is preferred.
  • Strong financial analysis skills, particularly with nonprofit accounting.

Communication Skillset

  • Strong oral and written communication skills, including experience speaking publicly.
  • Strong interpersonal skills and proven ability to work effectively with a wide variety of people and organizations, and in culturally and ethnically diverse environments.
  • Strong communicator and relationship builder with the ability to forge deep community relationships.
  • Outstanding interpersonal and oral/written communication skills, ability to produce exceptional quality work as part of an interdisciplinary team of professionals.
  • Self-motivated, have a positive attitude, and be enthusiastic to work in a start-up and entrepreneurial environment.
  • Diplomatic and respectful approach to problem solving; ability to consistently interact with others in a professional and courteous manner.

Leadership and Teamwork

  • Experience in building, managing, and deepening client relationships.
  • High degree of self-motivation, creativity, and flexibility.
  • Excellent teamwork and strong time management skills are essential.

Compensation & Benefits

PCDC offers a competitive salary and a comprehensive benefits package.


Koya Partners, the executive search firm that specializes in mission-driven search, has been exclusively retained for this engagement. Please submit a compelling cover letter and resume to Erin Reedy and Christy Farell here. All inquiries and discussions will be considered strictly confidential.