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About the Role
The Full Cycle Loan Officer manages the entire loan process from initial client contact through closing and post-closing follow-up. This role involves evaluating borrower eligibility, structuring loan and grant solutions, guiding clients through documentation requirements, underwriting analysis, and ensuring timely loan closings across a variety of state-funded and internally-administered housing and lending programs. The Loan Officer serves as the primary point of contact for clients and delivers exceptional customer service throughout the loan lifecycle.
Responsibilities
- Manage a pipeline of loan and grant applications from initial inquiry through eligibility review, underwriting, approval, closing, disbursement, and post-closing activities.
- Perform underwriting analysis, including collection and review of income, assets, liabilities, credit history, repayment capacity, debt-to-income ratios, loan-to-value considerations, property information, and other applicable factors.
- Review program-specific documentation, including contractor estimates, scopes of work, property documentation, environmental review materials, closing documents, and other required records.
- Identify and resolve documentation deficiencies, discrepancies, and eligibility issues with clients, contractors, internal staff, and other parties.
- Prepare clear and accurate credit memoranda documenting borrower eligibility, financial analysis, proposed use of funds, exceptions, and recommendations for approval or decline.
- Respond to underwriting and management review comments, revise analyses as necessary, and advance completed credit recommendations through the approval process.
- Maintain accurate program trackers, pipeline records, communication logs, funding records, and file status information.
- Maintain accurate, complete, and compliant applicant files, ensuring required documentation is current and properly maintained in accordance with all applicable federal, State, and company regulations.
Requirements
- Bachelor’s degree in Finance, Business, Accounting or related field.
- Active NMLS license required.
- NeighborWorks® America certifications within 1 year of employment.
- Minimum of 3 years experience in Lending.
- Strong understanding of automated and manual underwriting processes.
- Demonstrated ability to analyze credit, income, assets, and other borrower documentation.
- Experience calculating debt-to-income (DTI), loan-to-value (LTV), and other key risk ratios.
- Strong written and verbal communication skills.
- Proficient in Microsoft 365 (Outlook, Teams, Excel, Word, SharePoint, Copilot).
- Exceptional organizational skills, with the ability to manage multiple active files, priorities, and deadlines.
- Detail-oriented with an ability to work both independently and collaboratively on teams.
- Ability to work select evenings and weekends, approximately 1-2 times per month.
Skills
- Microsoft 365 (Outlook, Teams, Excel, Word, SharePoint, Copilot)
- Underwriting analysis
- Credit analysis
- Financial analysis
- Customer service
- Communication
- Organizational skills
- Detail-oriented
Location
- Long Island
Work Type
- Full-time
Experience Level
- Minimum of 3 years experience in Lending
Education Level
- Bachelor’s degree in Finance, Business, Accounting or related field.
About the Company
- Community Development Long Island (CDLI) is the only full-service collection of community development entities that change Long Islanders’ lives for success in home creation and financial growth.
- CDLI supports these achievements on the individual and community level by offering innovative solutions and resources to achieve personal and community economic growth.