FCLF Position Available: Loan Officer

16 January 2019

The Florida Community Loan Fund (FCLF) is a nonprofit lending institution providing capital and expertise to make projects successful and help organizations improve lives and low-income communities throughout the Sunshine State. Established in 1994, FCLF operates statewide from a network of offices in Orlando, Tampa, Sarasota, Fort Lauderdale, and Miami.

FCLF is seeking two experienced Community Development Loan Officers to promote FCLF in Florida with a concentration in the greater Tampa and Central Florida areas. Successful candidates will identify potential projects to benefit not-for-profit enterprises which would be funded by loans facilitated through FCLF. 

FOR CONSIDERATION, PLEASE FOLLOW APPLICATION INSTRUCTIONS PROVIDED.

FCLF financing has helped more than 175 organizations succeed in their projects, providing over 340,000 Floridians annually with housing or social services through 325+ lending transactions to projects totaling over $980 million. FCLF became Florida’s first certified statewide Community Development Financial Institution in 1996 and has been certified as a Community Development Entity since 2004.

Currently, FCLF has $71 million in total assets, a staff of 17, and an operating budget of $5-6 million. It has a growing loan portfolio of $65 million and has closed $232 million in New Markets Tax Credit investments. FCLF Strategic Plan emphasizes significant growth over the next 5 years and we are adding staff now to keep pace with this growth.

These positions will:

  • Engage in and build relationships in the local community to create or expand a presence for FCLF. Develop and nurture relationships with community leaders, funders, developers, nonprofit entity leaders and potential borrowers associated with development projects planned or underway within the community. Promote the potential strategies for utilizing FCLF financing to achieve community development objectives.
  • Develop lending pipeline as a priority by identifying projects which would meet the lending criteria of FCLF. Also, identify potential projects for the New Markets Tax Credit (NMTC) program or other specialized lending programs in which FCLF participates.
  • Obtain, underwrite, and analyze loan applications for commercial loans to support community/economic development projects based on criteria established for each program and loan policies within each program. Perform due diligence, site inspections, appraisal review, financial statement and proforma credit analysis, and credit evaluations of potential borrowers. Prepare credit memos and supporting documentation and present loans for review or approval to the Chief Lending Officer and/or Chief Executive Officer; or Lending Committee.
  • Draft and coordinate with the FCLF portfolio administration staff or Chief Lending Officer to issue commitment letters and to facilitate loan closings and monitor loan advances and disbursements.
  • Monitor borrower relationships for borrower needs or difficulties, increase, extend, modify and restructure loans as needed. Mitigate loan portofolio risk through coordination of post-closing technical assistance, extensions, restructurings and work-outs.
  • Assist in the preparation of monthly Lending Committee material by contributing to reporting. Participate in periodic portfolio evaluations including presentation of recommendations for loan grades. Assist in the preparation of periodic written reports regarding the status of loan request and applications.
  • Partner with technical assistance providers to deliver training services to prepare potential borrowers for the borrowing process.
  • Participate in the workshop, marketing and promotional activities and materials development for FCLF. Make workshop presentations and participate in forums which inform the public and special audiences about the opportunities for borrowers offered by FCLF.

Location: Tampa and Orlando

Requirements:

  • BS degree in Finance, Business or equivalent combination of education and experience.
  • A minimum of 5 years of experience in the commercial/community development/real estate lending, public finance and/or multifamily development fields is desired. Multiple sector experience is preferred.
  • Demonstrated ability to source, evaluate and underwrite commercial lending projects, preferably in the community/economic development field.
  • Knowledge of and experience in community development financial analysis; other underwriting experience is preferred.
  • Ability and experience in delivering services consultatively to diverse constituencies required.
  • Experience working in low-income communities.
  • Outstanding communication skills, both spoken and written.
  • Maturity, initiative, and flexibility required.
  • Ability to work independently and coordinate with others located across the state.
  • IT skills and the ability to quickly adapt to software.
  • Analytical / quantitative analysis skills.
  • Qualitative analysis and creative thinking skills.
  • Organizational skills.
  • Self-motivation skills.
  • Research skills.
  • Ability to meet deadlines and cope with pressure.

Compensation & Benefits:

This position offers the unique opportunity to join an innovative organization with the vision and expertise to make a difference in disadvantaged communities throughout Florida.

  • A competitive compensation package
  • Very generous paid time off benefits program
  • 403(b) plan with employer-paid contributions
  • Opportunities to work with a dedicated team who are driven to aid distressed communities

Application Instructions:

Please submit your resume via e-mail to This email address is being protected from spambots. You need JavaScript enabled to view it. along with a cover letter which specifically outlines your experience in the following:

  • Your experience in commercial banking and/or nonprofit lending; 
  • Number of years and positions held.

In the e-mail subject line, please note to which position you are responding: Tampa or Orlando Loan Officer.

Applications without a cover letter containing the above information will not be considered. No phone calls please.

The Florida Community Loan Fund, Inc. is an equal opportunity employer.

"We're thrilled to partner with FCLF to make our project a reality to serve generations of kids in our community." – Dawn Stanhope, President & CEO

Boys & Girls Clubs of Manatee County

"Without the FCLF initial loan to purchase land, we might not have been able to move forward with farmworker housing." – Peter Routsis-Arroyo, CEO, Catholic Charities, Diocese of Venice

Casa San Juan Bosco

"Thanks to FCLF, we are one step closer to providing a permanent housing solution for veterans and others seeking quality housing at an affordable price." – Carrie Davis, Executive Director

Wealth Watchers

"FCLF shows a clear strategy and demonstrated evidence of addressing prevalent community needs." – J. Reymundo Ocañas, Director, Corp Responsibility

BBVA Compass

"Aida Palms will be a lasting asset to the City of Lakeland. This revitalization wouldn't be possible without financing partners like FCLF." – Mitchell Rosenstein, Principal, Green Mills Group

Aida Palms

"FCLF is a difference maker! Their team provides solutions to bring about real change in a community." – Tim Marks, President & CEO

Metropolitan Ministries

"We appreciate how the work of FCLF primarily benefits low- to moderate-income individuals and areas and supports the needs of our community." – Maria J. Thompson, Community Development Manager

Third Federal Savings

"I appreciate FCLF for lending in rural areas, where many other lenders are exiting. From the first moment we spoke with FCLF staff, we felt we had a partner." – Jamie Kerr, President, AMCS Dev.

Griffin Heights

"Thank you to our friends at FCLF. Your staff has been patient and helpful. We'll make you proud!" – Bill Lazar, Executive Director

St. Johns Housing Partnership

“The partnership with FCLF is very exciting for us – an essential component in providing greater access to fresh healthy food in downtown New Port Richey.” – Jeff Wright, Owner

Wright's Natural Market

“We cannot thank FCLF enough for this partnership, creating permanent housing for our neighbors in need, and their commitment to Florida communities.” – Shannon Nazworth, President & CEO

Ability Housing

"Trinity Health is happy to partner with FCLF. We look forward to seeing the impact in the communities you serve." – Sr. Kathleen Coll, SSJ, Administrator, Shareholder Advocacy

Trinity Health

"We couldn't achieve our mission of creating strong neighborhoods without FCLF's help. Their staff is always friendly, quick to respond, and efficient." – Bonnye Deese, Executive Director

BAND

"Cade Museum is proud to be partners with FCLF and JPMorgan Chase. Thanks to the NMTC Program, we will provide a transformative asset to our community." – Jennifer Denault, COO

Cade Museum for Creativity & Inventi…

"FCLF staff shares our vision and commitment to serve needy families and provide a high quality education to all children." – Thomas Cole, Founder

Emma Jewel Charter Academy

"FCLF plays a significant role in sustaining vibrant and thriving communities. We are pleased to support your ongoing community based efforts." – Ernie Diaz, South Florida Market President

TD Charitable Foundation

"I recommend FCLF for attracting investment to the Florida Preservation Fund... I believe that says something about investor comfort." – Nancy Muller, Policy Director

Florida Housing Finance Corp.

"We consider FCLF a valued partner and strong advocates for low-income communities and families. We look forward to many more years of working together." – Jennifer Westerbeck, Vice President

US Bancorp CDC

"FCLF has a keen knowledge of Florida challenges & opportunities. We are confident our investment will be used to improve lives." – Kathleen Rizzo Young, Sr. VP, Community Development

HSBC Bank USA, N.A.

"Without FCLF's support, we would not have been able to deliver the services our area so desperately needs. We look forward to a lifetime relationship." – Tom Griffin, CEO

The Transition House, Inc.

Our Partners

FCLF and Rep. Webster
Rep. Daniel Webster visited FCLF staff.
Metro Min Grand Opening
FCLF staff with local supporters at Metropolitan Ministries Tampa.
Northern Trust Roundtable
FCLF supporter, the Northern Trust Company, hosted a housing roundtable in Sarasota.
TD Charitable Foundation, TD Bank
TD Charitable Foundation and TD Bank have supported FCLF's mission since 2006.
Housing Programs, Inc.
FCLF financing to Housing Programs, Inc. helps provide affordable homes for ownership.
TD Bank Charitable Foundation
Support from TD Bank Charitable Foundation helps FCLF build strong communities.
ASPIRA of Florida and FCLF
FCLF CEO and one of our supporters visit the ASPIRA Arts Deco school.
ASPIRA of Florida Aspirantes
ASPIRA of Florida offers education & mentoring with a focus on low-income and Latino students.
Valley Bank
Support from Valley Bank helps FCLF build strong communities.
Million Meals 2012
FCLF staff and supporters volunteer at Million Meals event.
Casa San Juan Bosco and FCLF
New rental homes are available for farmworker families at Casa San Juan Bosco.
FCLF and Florida Housing Coalition
FCLF representatives are ready to talk about your project success.
Neighbor Up, Affordable Housing
Neighbor Up, formerly BNDC, offers affordable housing in Brevard County.
Casa San Juan Bosco and FCLF
Catholic Charities, Diocese of Venice, financed the land for farmworker rental housing with FCLF.
Boys & Girls Clubs of Manatee
FCLF staff and US Legislative staff at an event honoring Youth of the Year.
RCRI Conference 2012
The RCRI Conference allows FCLF staff to touch base with our religious supporters.
FLACDC Conference
FCLF Staff meet and greet friends at an FLACDC event.
FCLF at Florida Housing Conference
FCLF staff are active at statewide conferences and events.
duPont Fund and FCLF
The duPont Fund used FCLF and NMTC Financing to revitalize downtown Jacksonville.
FCLF at Florida Housing Conference
FCLF Staff are on hand at conferences and events to discuss our programs.
MTZ Carver Construction
FCLF projects create jobs and stimulate development in low-income communities.
Emma Jewel Charter Academy
Nutritious snacks are a part of the healthy focused curriculum at Emma Jewel Charter Academy.
Armature Works
FCLF and the NMTC Program renovated a historic building into a small business incubaor.
DuPuis Pointe Miami
DuPuis Pointe offers affordable, hurricane proof homes in Miami.
Emma Jewel Academy and FCLF
Emma Jewel Charter Academy offers education for the whole child in Brevard County.
Neighbor Up and FCLF
FCLF Chief Lending Officer visits with the Executive Director of Neighbor Up (formerly BNDC)
Axiom Bank
Support from Axiom Bank helps FCLF build strong communities.
FCLF Board and Staff
FCLF Board Members represent our investors, borrowers, and technical experts.
Mathis Place Resident
Residents at Neighborhood Renaissance's Mathis Place enjoy affordable rent.
Haley Park Construction
FCLF projects create jobs and stimulate development in low-income communities.
Boys & Girls Clubs of Manatee
FCLF and NMTC are creating a new facility for the Boys & Girls Clubs of Manatee County
Greater Heights Resident
FCLF Financing to Neighbor Up Brevard helps provide affordable rental housing.
BNDC Greater Heights
Greater Heights offers new, safe, affordable rental homes in what was formerly a high crime area.
KIPP Jacksonville
Rep. Ander Crenshaw visited KIPP Jacksonville School
Previous Next
Our Vision Opportunity and dignity exist for every person and community in Florida.
Our Mission Our expertise and capital make projects successful and help organizations improve lives and communities.