Senior Underwriter

Join HCi Advisory Group (formerly Human Capital Initiatives) as a Senior Underwriter.
Partner Community Capital seeks a senior professional to evaluate, structure, and manage our small‑business lending portfolio.

• Bachelor’s degree in finance, business, or related field.
• 5 to 7 years of experience in commercial lending, underwriting, or related field.
• 2 to 3 years of supervisory or team leadership experience.
• Experience with CDFIs, SBA lending, or mission‑based finance strongly preferred.
• Expertise in commercial credit analysis, financial modeling, and risk assessment.
• Proficiency with loan origination and portfolio management systems.
• Strong Excel skills and proficiency in Word, Outlook, and analytical tools.
• Salesforce experience and data integration knowledge preferred.
• Familiarity with CDFI Fund reporting and SBA lending processes a plus.

• Build and maintain relationships with lenders, borrowers, referral sources, lending partners, and technical assistance providers.
• Review credit memos for financing over $100,000 to ensure compliance with lending policies, grant requirements, and regulations.
• Analyze financial statements, tax returns, and documentation to evaluate creditworthiness and business viability.
• Exercise delegated loan approval authority and provide data‑supported recommendations to the Chief Credit Officer and Investment Committee.
• Supervise, coach, and provide technical guidance to Credit Analysts and team members.
• Improve operational efficiency through process innovation, technology adoption, and cross‑training.
• Collaborate with lenders to structure loans that meet client needs while managing risk.
• Monitor portfolio performance, analyze trends, and ensure adherence to quality metrics.
• Provide subject‑matter expertise, mentoring, and support for staff development.
• Stay current on industry‑related trends, market conditions, regulatory updates, and credit risk best practices.
• Engage with clients on credit evaluation, loan structuring, and portfolio management questions.
• Assist with cross‑sales opportunities, servicing information, credit documentation, and client calls as needed.
• Represent PCAP with referral partners, technical assistance providers, government agencies, and community stakeholders.
• Contribute to ongoing improvements in underwriting procedures, documentation standards, and risk assessment frameworks.

This full‑time, hybrid position offers a competitive salary ranging from $83,000 to $110,000, commensurate with experience. Candidates must be within commutable distance to Winston‑Salem, Durham, or Asheville, North Carolina.

PCAP provides a generous benefits package including medical, dental, vision, life, short‑term and long‑term disability insurance; a 403(b) retirement plan; a Flexible Spending Account; paid time‑off and holidays; professional development; and additional perks.

Partner Community Capital is a U.S. Treasury‑certified Community Development Financial Institution (CDFI), established in 2000. It provides financing and advisory services to triple‑bottom‑line businesses and communities in the southeastern U.S., primarily in West Virginia and North Carolina. PCAP focuses on locally owned, environmentally responsible small businesses that build wealth for entrepreneurs, their families, and their communities.

To learn more about PCAP, visit https://(Use the "Apply for this Job" box below)..org

Partner Community Capital, a Non‑Profit Corporation, is an Equal Opportunity Employer who fully and actively supports equal access for all people regardless of Race, Color, Religion, Gender, Age, National Origin, Veteran Status, Disability, Genetic Information or Testing, Family and Medical Leave status, Sexual Orientation and Gender Identity or Expression. Partner Community Capital prohibits retaliation against individuals who bring forth any complaint, orally or in writing, to the employer or the government, or against any individuals who assist or practice in the investigation of any complaint or otherwise oppose discrimination.

• Seniority level:
  Mid‑Senior level
• Employment type:
  
  Full‑time
• Job function:
  Finance and Sales
• Industries:
  Human Resources Services