Small Business Loan Officer

Company Description Access Plus Capital is a mission-driven small business lender focused on expanding economic opportunity in Central California. The organization helps entrepreneurs start and grow their businesses by providing access to capital and practical guidance. By supporting small business development, Access Plus Capital aims to create quality jobs and strengthen local communities. Team members work closely with diverse business owners, contributing directly to inclusive economic growth and long-term business success.

Role Description This is a full-time Small Business Loan Officer role based in Sacramento, CA, with a hybrid work arrangement that allows some work from home. The Small Business Loan Officer builds and manages a portfolio of small business clients, including generating leads, conducting initial consultations, and guiding applicants through the loan process. Daily responsibilities include analyzing financial information, completing underwriting tasks, preparing loan applications, and ensuring compliance with lending policies and regulations. The role involves regular client communication, providing excellent customer service, and offering basic business advisory support to help clients succeed. The Small Business Loan Officer collaborates with internal teams and community partners to promote Access Plus Capital’s lending products and mission.

Qualifications

• Experience in loan officer or lending roles, with a strong understanding of small business lending practices.
• Solid foundation in finance, including the ability to interpret financial statements and assess business performance.
• Underwriting skills, including risk assessment, loan structuring, and adherence to credit policies.
• Customer service skills and client relationship management experience, with a focus on responsive, inclusive support.
• Loan origination experience, including prospecting, application processing, and closing procedures.
• Strong analytical, organizational, and time management abilities, with attention to detail and accuracy.
• Clear written and verbal communication skills, including the ability to explain financial concepts to diverse audiences.
• Proficiency with common office software and loan management systems; comfort working in a hybrid environment.
• Knowledge of small business operations and community economic development is highly beneficial.
• Associate or bachelor’s degree in business, finance, economics, or a related field, or equivalent professional experience.