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Small Business Lending Officer

TruFund Financial Services, Inc.
Dallas, TX
  • Posted: over a month ago
  • Full-Time
  • Benefits: 401k, dental, medical, vision,
Job Description

As a direct contact with TruFund’s clients and partners, the Small Business Lending Officer is responsible for sourcing, originating and deploying loan capital to small business owners and developers. This role will build community and business owner relationships, establish TruFund’s presence and credibility within a target geography and provide advisory services that will channel clients to programs that best suit their needs. The Small Business Lending Officer will be responsible for developing a loan pipeline and working that pipeline through to closing.

The Small Business Lending Officer works with prospective borrowers to assess needs, align solutions, and effectively manage the loan application process from origination to closing, and continues to actively support the borrower relationship throughout the customer lifecycle.

Primary Job Functions:

Outreach & Deal Generation:

  • Possesses existing relationships in assigned geographical footprint with referral partners, business owners and/or commercial real estate owners
  • Establishes and sustains positive relationships with client referral sources including banks, community-based organizations, city, state and federally sponsored small business support centers and programs
  • Manages lending for small business loan amounts of $100K to $500K and commercial real estate loans of $500K to $5MM
  • Identifies and participates in events and activities that create small business lending opportunities.

Client Relationship Management, Training & Advising

  • Assesses client capital needs and goals and aligns TruFund’s products and services to effectively meet the identified needs and goals
  • Provides analysis, interpretation and evaluation of financial statements and loan documentation to assess borrower capacity, cash flows, character, collateral, and condition to honor his or her obligations
  • Advises clients throughout loan qualification process including:
    • Aligning the most appropriate type of loan product with the borrower’s goals
    • Obtaining required documents for application, underwriting and closing processes
    • Identifying specific requirements and restrictions associated with the loan
    • Supporting pre-screen processes
    • Explaining the different types of loans and credit terms that are available
    • Submitting qualified applications to Credit department for review and approval
    • Ensuring that approval of new loan requests comply with loan underwriting, product and program policies and procedures

Minimum Qualifications:

Education and Related Work Experience:

  • BS/BA required
  • Existing book of business
  • Minimum 3 years of small business lending experience
  • Minimum 3 years commercial real estate lending experience
  • Prior work-related experience with CDFIs and/or community development lending, Small Business Administration (SBA) loans, as well as traditional and alternative loan programs is preferred

Knowledge, Skills, and Abilities:

  • Strong financial skills and ability to develop and interpret financial statements applied to business accounting and finance principles are required
  • Superior analytical skills are required
  • Strong Business Development and Relationship Management skills are required
  • A working knowledge of Small Business Administration (SBA) Loan Programs, Policies and Procedures as well as traditional and alternative Loan Programs is beneficial
  • Ability to travel throughout Market to visit prospective and current clients as necessary
  • Ability to facilitate and/or design business education and training programs
  • Knowledge of local markets including financial institutions, local government, and community organizations; an understanding of local priorities, opportunities and culture
  • Ability to fulfill Small Business Lending Officer responsibilities in Spanish is a plus

TruFund Financial Services is proud to be an Equal Opportunity and E-Verify Employer

Company Description
Company Overview:

TruFund Financial Services, Inc. (“TruFund”) is a 501(c)(3) Community Development Financial Institution (CDFI), certified by the U.S. Treasury Department’s CDFI Fund. With Headquarters in New York City and field offices in Alabama, Louisiana, and Texas, our mission is to help historically disadvantaged individuals and communities create thriving and resilient small businesses and entrepreneurial ecosystems in order to close racial and economic disparities and ensure an inclusive and equitable society. To this end, we offer access to affordable and responsible loan capital and business advisory services to small businesses and nonprofit organizations that are financially viable but have difficulty accessing affordable capital from banks or other conventional lenders. Since 2005, we have disbursed $232M in financing through 3,512 loans, which has contributed to the creation and retention of over 18K jobs. Of these loans, over 76% have been to minority and / or women owned businesses and 51% to businesses in low-moderate-income (LMI) communities.

TruFund Financial Services, Inc.


Dallas, TX



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