Loan Officer
Remote:
Full Remote
Offer summary
Qualifications:
5–7 years of experience in lending, focusing on consumer and commercial unsecured loans., Strong knowledge of state and federal lending laws, especially in California, New York, Colorado, and Massachusetts., Bachelor’s degree in finance, business administration, economics, or a related field; advanced degrees or certifications are a plus., Proven track record of regulatory compliance and excellent communication skills..Key responsabilities:
- Act as the Accountable Person for obtaining and maintaining lending licenses across multiple states.
- Oversee loan origination and underwriting processes to ensure compliance with internal policies and regulations.
- Provide guidance and training to the lending operations team on compliance and ethical lending standards.
- Support business development by identifying opportunities to scale lending services and reporting on loan performance.
Job description
BlocPower is a clean energy leader creating smarter, greener, healthier buildings for all by reducing the barriers to money-saving, quality-of-life-improving green building upgrade. We provide engineering, financing and project implementation services for our clients, with a special focus in historically left out communities across the country. These communities, and their buildings, are underserved by traditional energy services companies because they are considered too small, too costly, or too risky. Our portfolio of projects include houses of worship, schools, non-profits, small businesses and multifamily buildings. Through our work, we save our clients money, reduce greenhouse gas emissions, improve health and create local employment opportunities.
At BlocPower, we value our mission. We are trusted advisors that get things done for our customers by using data to make the right decisions. We support and expect excellence from our team members. We treat both our customers and ourselves with care and respect.
As our work is centered around systematically disenfranchised communities – including people of color, people from working class backgrounds, women and LGBTQ people – we strongly encourage applications from people with these identities or who are members of other marginalized communities.
BlocPower seeks an experienced and dynamic Loan Officer to serve as the Accountable Person for securing and maintaining lending licenses in California, New York, Colorado, Massachusetts, and additional states as we expand. This individual will play a pivotal role in ensuring compliance with state and federal lending regulations, overseeing loan origination practices, and supporting the growth of BlocPower’s innovative, climate-focused financing programs. The ideal candidate will have a strong background in consumer and commercial unsecured lending, regulatory compliance, and leadership within the lending or financial services industry.
Regulatory Compliance
- Act as the Accountable Person for obtaining and maintaining lending licenses in California, New York, Colorado, Massachusetts, and other states as required.
- Ensure compliance with state-specific regulations under the California Financing Law (CFL), New York Licensed Lender Law, Colorado Uniform Consumer Credit Code (UCCC), Massachusetts Small Loans Act, and federal regulations (e.g., TILA, FCRA, ECOA).
- Collaborate with legal and compliance teams to ensure all operations, policies, and procedures align with applicable laws.
- Serve as the primary liaison with state licensing agencies, including managing licensing applications, renewals, and audits.
Loan Origination Oversight
- Oversee the origination and underwriting of consumer and commercial unsecured loans to ensure compliance with internal policies and regulatory requirements.
- Develop and enforce credit standards, ensuring loans are originated responsibly and equitably, particularly for underserved low- and moderate-income (LMI) communities.
- Implement risk management practices, including evaluating borrower creditworthiness and ensuring loan portfolios maintain financial sustainability.
Team Leadership and Training
- Provide guidance and support to BlocPower’s lending operations team, ensuring all team members are well-trained in compliance, best practices, and ethical lending standards.
- Develop and deliver training programs to ensure adherence to state-specific licensing requirements and regulatory updates.
Business Development and Reporting
- Support the growth of BlocPower’s lending programs by identifying opportunities to scale services in target states.
- Collaborate with internal teams to refine lending products that meet the needs of BlocPower’s target market.
- Provide detailed reports to leadership on loan performance, compliance activities, and license management.
Qualifications:
Experience and Education
- Minimum of 5–7 years of experience in lending, with a focus on consumer and commercial unsecured loans.
- Demonstrated knowledge of state and federal lending laws and regulations, particularly in California, New York, Colorado, and Massachusetts.
- Experience serving as a Qualifying Individual (QI) or Accountable Person for lending licenses is highly preferred.
- Bachelor’s degree in finance, business administration, economics, or a related field; advanced degrees or certifications (e.g., CPA, CFA) are a plus.
Skills and Competencies
- Deep understanding of credit analysis, underwriting, and risk management principles.
- Proven track record of regulatory compliance in a financial services or lending environment.
- Excellent organizational, analytical, and problem-solving skills.
- Strong communication and interpersonal skills, with the ability to work effectively with regulators, internal teams, and external stakeholders.
- Proficiency in loan origination systems, financial analysis software, and regulatory reporting tools.
Licensing and Background Requirements
- Ability to pass state-mandated criminal background checks and demonstrate financial responsibility through a clean credit history.
- Must meet or exceed state-specific qualifications for serving as an Accountable Person for lending licenses.
Compensation and Benefits:
● Targeted salary: $55-80k commensurate with experience and certifications
● Medical, dental, and vision insurance
● Long-term disability insurance
● Generous vacation policy
● 401(k)
This job description is not intended to be a comprehensive list of the duties and responsibilities of the position. The duties and responsibilities may change without notice.
BlocPower™ provides equal employment opportunities(EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, BlocPower™ complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.
BlocPower™ expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, genetic information, disability, or veteran status. Improper interference with the ability of BlocPower™ employees to perform their job duties may result in discipline up to and including discharge.
Required profile
Experience
Spoken language(s):
English
Check out the description to know which languages are mandatory. Other Skills
- Training And Development
- Communication
- Analytical Skills
- Organizational Skills
- Social Skills
- Problem Solving