Senior Loan Officer

Rural Community Assistance Corporation
January 10, 2020
West Sacramento, CA
Finance  Other  
Job Type
3120 Freeboard Drive, Suite 201
Contact Name (not public)
Nimrata Nijjar


Specific job goals, objectives and tasks are established for each employee as part of the annual evaluation and work plan process. Examples of responsibilities and duties include but are not limited to the following:

  • Work with prospective nonprofit, Tribal, public body and small business loan applicants
  • Analyze needs and structure of requests for capital
  • Use analytical and business development skills to determine applicable loan products to meet borrower needs.
  • Conduct site visits and inspections
  • Underwrite RCAC loan types
  • Negotiate loan terms and requirements with borrowers within RCAC guidelines
  • Work with the Credit Manager to finalize the terms and credit memo
  • Present proposed loan for staff credit review and the RCAC loan committee for approval
  • Present final negotiations with borrowers if changes are made
  • Monitor projects through the development process including review and approval of loan disbursements
  • Recognize and deal with cash flow and other issues that may affect loan repayment
  • Provide periodic analysis of borrower financial statements and reports
  • Design and deliver individual or group presentations at conferences and workshops
  • Market and represent RCAC and the Loan Fund to existing and potential clients
  • Maintain excellent customer relations and service
  • Maintain working relationships with federal, state and other agencies and firms that are partners in providing resources for rural areas
  • Maintain professional development


Skills and Qualifications

  • Experience preparing and negotiating complex, multi-layered transactions, balancing borrower needs with sound underwriting judgment and risk mitigation
  • Strong business development, communication, and problem-solving skills
  • Detailed analytical skills with database management and spreadsheet knowledge
  • Analytical and financial skills are essential
  • Ability to work with minimum supervision and handle multiple priorities simultaneously
  • Proficiency with Microsoft Office Suite and cloud computing
  • Ability to listen effectively and communicate verbally and in writing
  • Commitment to rural communities and disadvantaged groups
  • Knowledge of financial needs for rural community and economic development projects
  • Knowledge of government programs and regulations related to various community development programs including New Market Tax Credits
  • Previous experience working with nonprofits, local and Tribal governments highly desirable
  • Ability to travel 20% of the time

How To Apply

Please visit our website at to view the job description and/or provided benefits. Please apply for the position at

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