Role Description The Loan Officer represents HAC on its affordable housing lending activities. This work will include marketing, originating, and underwriting new loan transactions in the Loan Fund Division. The Loan Officer makes recommendations for approval of loans and presents the recommendations both in writing and orally. The Loan Officer works closely with Portfolio Managers and Asset Managers who close and service loans. The position comes with a competitive salary, generous benefits, and the opportunity to work in a fun and mission-focused environment. The position can be either remote or based in HAC’s Washington, DC headquarters. Primary Responsibilities - Structure loan transactions in compliance with internal credit and program requirements. - Contribute to loan production goals by identifying lending opportunities and originating new loans particularly for affordable housing development and preservation. - Prepare and negotiate loan proposals with borrowers and partners (term sheets and commitment letters). - Underwrite and review loan applications, prepare and present loan recommendations and loan modification requests for Chief Executive Officer and Loan Committee review. - With review from Senior Loan Officer, recommend loans for approval with suggested risk ratings based on HAC’s risk rating procedures. - Manage the loan approval process from deal screening through due diligence to loan approval. - Assist in the loan closing process by working with the closing team. - Evaluate, underwrite, and process loan modifications as needed. - Attend industry trade conferences and make presentations; foster and maintain key strategic relationships. - Assist with the HAC loan fund marketing. - Provide excellent customer service to borrowers and potential borrowers. - Work with partners on loan participations. - Conduct site visits, as needed. - Participate in strategic planning and innovation process. - Keep abreast of industry standards, challenges, and changes influencing lending activities. - Formulate and execute strategies for problem loans and at-risk projects. - From time-to-time, Loan Officer will have an opportunity or be required to work on miscellaneous projects and initiatives related to either the lending functions or across the organization as needed. - Participate in HAC’s biannual Rural Affordable Housing Conference. Qualifications - Bachelor’s degree in relevant field preferred. - Minimum of 3 years’ work experience in real estate finance or real estate development. - Experience with affordable housing underwriting, rental and/or for-sale, in all stages of development including predevelopment, acquisition, construction, permanent financing. - Experience in affordable rental housing, including development processes, public financing sources, multi-layered deal structuring, and working with affordable housing developers/nonprofit organizations. - Knowledge of Community Development Financial Institutions (CDFIs) and CDFI Fund programs. - Demonstrated experience in preparing and negotiating complex transactions and balancing the programmatic needs of community-based organizations with sound underwriting judgment and risk mitigation. - Familiarity with federal, state, and local community development programs, especially USDA Rural Development and Low-Income Housing Tax Credits. - Strong financial, analytical, and communication skills. - Sufficient credit skills to conduct risk assessment and manage a portfolio. - Excellent organizational skills and ability to prioritize and manage multiple tasks/projects and meet deadlines. - Proficiency with Microsoft Office (particularly Word, Excel, and Power Point); Adobe Acrobat; Nortridge Loan System (NLS) or other loan servicing systems, and Microsoft Dynamics 365 (or other CRM). - Entrepreneurial spirit. - Superior analytic and problem-solving skills. Preferred Qualifications - Advanced degree in business, finance or related field. - Knowledge of and experience with standard legal principles and procedures related to real estate transactions, property transfers, and collateral. - Rental housing preservation experience, especially with USDA-financed housing (as lender, developer, owner or subsidy provider). - Commitment to social justice issues. - Interest in rural, low-income housing. Compensation and Benefits - HAC offers competitive wages, benefits, and growth opportunities consistent with industry standards. - Flexible benefits packages include health insurance; life and other insurance; financial benefits, to include a retirement plan with partial employer match; time off; and work/life benefits, to include education assistance. - Salary range is $85,000 to $95,000 per year, depending on qualifications. Equal Opportunity Employment Information HAC is an equal opportunity provider and employer. HAC does not discriminate against any applicant or employee based on race, color, sex, national origin, age, disability, or any other basis protected by applicable federal, state, or local laws.

• Own a specific portion of the business within the Women's Knits and Sweaters Tops category with a focus on Market brands, developing and executing merchandising and financial strategies to maximize departmental opportunities. • Curate and drive seasonal line plans and product assortments across market and private brands, presenting strategies to leadership and cross-functional partners to gain alignment. • Analyze sales data, inventory levels, and client feedback on a weekly, monthly, and quarterly basis to responsibly manage the open-to-buy budget alongside Planning partners. • Manage the vendor matrix strategically, negotiating terms, contracts, and pricing with suppliers to optimize profitability, product quality, and timely delivery. • Conduct continuous market research and competitive analysis to identify industry trends, spot risks, and uncover new opportunities appropriate for Stitch Fix clients.

• Plan, prepare, and implement instructional activities that contribute to a climate where students are actively engaged in meaningful learning experiences • Identify, select, create, and modify instructional resources to meet the needs of the students with varying backgrounds, learning styles, and special needs • Assist in assessing changing curricular needs and offer plans for improvement • Maintain effective and efficient record-keeping procedures • Provide a positive environment in which students are encouraged to be actively engaged in the learning process • Communicate with students, parents, and internal and external professionals within established timelines • Collaborate with peers to enhance the instructional environment for students by participating in activities which include, but are not limited to, team teaching, meetings, staff development, communities of practice, and various committees • Model professional and ethical standards when dealing with students, parents, peers, and community members • Ensure that student growth and achievement are continuous and appropriate for age group, subject area, and/or program classification • Establish and maintain cooperative working relationships with students, parents, schools, and colleagues measured by FLVS district/school survey results • Meet specific course and school-wide student performance goals • Demonstrate gains in student performance • Participate in research and presentations about online teaching; this may include activities such as, authoring articles, hosting workshops, sharing of information for professional growth, and student outreach events and activities • Participate in blended learning models, which include both online and classroom instruction and interaction with students at various schools and districts across the state; may be required to report to an assigned school • May be responsible for instructional tutoring • Meet professional obligations through efficient work habits such as, meeting deadlines, honoring schedules, coordinating resources and meetings in an effective and timely manner, and demonstrating respect for others

• Provide an educational atmosphere where students have the opportunity to fulfill their potential for intellectual, emotional, physical, and psychological growth. • Organize and implement an instructional program that results in students achieving academic success in accordance with FLVS and state policies and laws. • Plan, prepare, and implement instructional activities that contribute to a climate where students are actively engaged in meaningful learning experiences. • Identify, select, create, and modify instructional resources to meet the needs of the students with varying backgrounds, learning styles, and special needs. • Assist in assessing changing curricular needs and offer plans for improvement. • Maintain effective and efficient record-keeping procedures. • Provide a positive environment in which students are encouraged to be actively engaged in the learning process. • Communicate with students, parents, and internal and external professionals within established timelines. • Collaborate with peers to enhance the instructional environment for students by participating in activities which include, but are not limited to, team teaching, meetings, staff development, communities of practice, and various committees. • Model professional and ethical standards when dealing with students, parents, peers, and community members. • Ensure that student growth and achievement are continuous and appropriate for age group, subject area, and/or program classification. • Establish and maintain cooperative working relationships with students, parents, schools, and colleagues measured by FLVS district/school survey results. • Meet specific course and school-wide student performance goals. • Demonstrate gains in student performance.