Loan Officer / Relationship Manager

Strategic HR Client Job Openings•Cincinnati, OH

1d•$85,000 - $105,000•Hybrid

About The Position

Cincinnati Development Fund is seeking a Loan Officer / Relationship Manager with experience in community development finance or commercial real estate lending. This role involves originating, underwriting, and structuring financial products, building relationships with borrowers and partners, and contributing to impactful development projects. The Loan Officer / Relationship Manager will lead the commercial real estate lending process, serving as the primary contact for borrowers from lead generation through closing.

Requirements

Bachelor’s degree in business, finance, real estate, or a related field.
At least 3 years of experience in community development, commercial real estate finance, banking, or a similar field.
Knowledge of community development financing tools and resources (NMTC, LIHTC, Historic Tax Credits, and other local, state, and federal programs).
Demonstrated ability to build relationships and develop business opportunities through networking, community engagement, and partnerships with borrowers, developers, and community stakeholders.
Ability to analyze financial statements and apply established underwriting criteria and risk profiles.
Strong sales, customer service, and relationship‑building skills.
Highly organized with strong time‑management skills and attention to detail.
Collaborative relationship-builder with a positive attitude and strong interpersonal skills.
Proficiency in Microsoft Office (Word, Excel, Outlook, PowerPoint).
Passion for community and economic development, including affordable housing.

Nice To Haves

Experience with affordable housing, tax credit transactions, CDFIs, or mission-driven lending is strongly preferred.
Experience with affordable housing programs and developing partnerships to support affordable housing lending, preferred.
Nonprofit or mission‑driven lending experience, preferred.
Professional certification in community or economic development finance (Grow America, Novogradac, IEDC, NeighborWorks, or similar).

Responsibilities

Originate mission‑aligned loans by managing an existing customer base and developing new relationships through active business development and participation in industry and community events.
Serve as a trusted resource to borrowers by maintaining strong knowledge of loan products and programs and providing guidance throughout the lending process.
Collect, analyze, underwrite, and structure loan requests in alignment with CDF’s risk profile and Loan Committee and Board expectations.
Partner with Credit staff to prepare and present loan packages to the Loan Committee and Board, and clearly communicate loan decisions to borrowers.
Prepare preliminary and final commitment letters that accurately reflect approved terms and conditions.
Support loan closings in accordance with CDF’s lending policies, including coordination with legal counsel and participating banks, as applicable.
Collaborate with the Construction Manager and Portfolio Manager to support construction loan disbursements, monitoring, and conversion to permanent financing.
Assist with ongoing portfolio monitoring and resolution of troubled loans, as needed.
Build and maintain strong relationships with borrowers, internal teams, and public, private, and community partners.
Stay current on real estate development lending practices through ongoing professional development.