Senior Loan Officer & Underwriter

At LEDC, we believe small businesses are powerful engines of economic growth. Our Lending Team works every day to expand access to fair, flexible capital for entrepreneurs across the DC-MD-VA region, especially those historically excluded from traditional financial systems.

We’re looking for a Senior Loan Officer & Underwriter who combines strong financial analysis skills with a genuine passion for working directly with entrepreneurs. If you enjoy digging into financials and building relationships, this role sits right at that intersection.

In this role, you’ll support the full lending lifecycle, from underwriting to borrower support, while helping ensure our lending decisions are responsible, mission-aligned, and impactful. Please note that the below is a high-level overview; should you like more information on the responsibilities of this role, please email HR.

• Review and underwrite small business loan applications.
• Analyze financial statements, tax returns, and projections.
• Prepare clear underwriting analyses and loan recommendations.
• Work directly with entrepreneurs to assess loan readiness and explain lending decisions.
• Partner with Portfolio and Program teams to support borrower success.
• Conduct outreach through community events, partner meetings, and presentations.
• Maintain accurate, compliant loan documentation and pipeline tracking.
• Contribute insights to improve lending products, systems, and borrower outcomes.
• …and more, including contributing your ideas, insights, and lived experience to help shape equitable lending practices and better borrower outcomes. Because, let’s face it – community centered lending doesn’t always fit neatly into a checklist.

We recognize great candidates come from many paths — if this role excites you, we encourage you to apply even if you don’t meet every qualification.

• Bachelor’s degree in finance, accounting, business, or related field (or equivalent experience).
• At least 2 years of experience with a commercial lender.
• Experience working directly with small business owners or entrepreneurs.
• Strong written and verbal communication skills.
• Comfort with financial analysis, documentation, and compliance.
• Ability to manage multiple priorities in a fast-paced environment.

• Experience with mission-driven or community development lending (CDFIs a plus).
• Familiarity with loan management or underwriting systems.
• Experience providing small business technical assistance or coaching.
• Bilingual English/Spanish (professional proficiency).
• Hybrid work model (in-office presence required as needed).
• Typical schedule is 9am–5pm, with occasional evenings/weekends for community events.
• Local travel within the DMV region (up to ~25%).

Salary range: $63,761 – $73,387 (commensurate with experience and budget)

• Employer-paid medical, dental, vision, disability, and life insurance options.
• Paid sick leave, vacation, and personal days.
• Additional wellbeing resources and supports.

Please submit your resume and cover letter to ereyes with the subject line:
Senior Loan Officer & Underwriter. No phone calls, please!

• Why are you interested in this role?
• How do your skills and experience prepare you for this position?
• How do your values align with LEDC’s mission?

This role is primarily performed in a typical office setting and involves prolonged periods of sitting, regular use of a computer and standard office equipment, and the ability to move throughout office and community-based environments (including navigating buildings, uneven surfaces, and meeting spaces). Occasional lifting or carrying of materials may be required.
Candidates who would like a more detailed list of physical requirements or who may need reasonable accommodations are encouraged to contact HR.

LEDC is proud to be an equal opportunity employer and complies with all applicable federal, state, and local laws. Reasonable accommodations are available upon request — please contact HR.

LEDC participates in the federal government’s E-Verify program, which confirms employment authorization of all newly hired employees and most existing employees through an electronic database maintained by the Social Security Administration and Department of Homeland Security. For new hires, the E-Verify process is completed in conjunction with the Form I-9 Employment Eligibility Verification on or before the first day of work.

E-Verify is not used as a tool to pre-screen candidates. For up-to-date information on E-Verify, visit e-verify.gov.