Business Development Officer

WHO WE ARE

PACT Capital is an investment management firm focused on agriculture and commercial real estate credit investments across the Pacific Northwest.

We are capital partners, lenders and advisors, assisting farmers, real estate investors and business owners achieve their most ambitious goals.

Our philosophy believes successful credit investing is built on alignment, trust, and long-term relationships. The relationship management platform PACT Capital provides its customers is second to none and is changing the meaning of relationship lending.

Guided by our core values of teamwork, innovation, and continual excellence, PACT Capital is committed to redefining what a modern real estate credit manager should be—and to supporting the communities and industries in which we serve.

Join us today!

JOB DESCRIPTION

We are seeking a high performing Business Development Officer, focused on Commercial Real Estate, who has an entrepreneurial spirit, is seeking an opportunity to have uncapped earning potential and loves to win for their clients.

This team member is well organized and energized by the chase – someone who can leverage data to create a sales strategy and build a pipeline with assistance and mentorship from Senior Leadership.

Reporting to Senior Sales and Credit Leadership, this highly productive sales role will be a key member of the Commercial Real Estate Sales Production Team. This role builds and manages referral relationships, guides borrowers through the lending process, identifies the appropriate structure and product, and collaborates with internal and external teams to ensure deal execution. The CRE Business Development Officer (BDO) plays a key role in driving loan growth, expanding client relationships, and representing the organization in the business community.

This team member must thrive in a dynamic, fast-paced environment, be well networked in the community and industry and have strong communication skills.

The candidate must comply with all lending regulations for BSA, AML and KYC.

DUTIES – KEY AREA RESPONSIBILITIES

· Originate new business. Proactively identify, prospect, and close borrowers seeking real estate secured financing across all commercial real estate asset classes.

· Build and own a COI network. Develop and maintain relationships with residential and commercial real estate brokers, bankers and other lenders, CPAs, attorneys, and other COI referral sources across the territory.

· Work the phone and the network. Spend the majority of your time in direct outreach - calling, warm introductions, COI lunches, industry networking events and managing referrals.

· Manage a live pipeline. Track prospects, referral sources, and deals in motion; report weekly on pipeline volume, stage, and conversion.

· Qualify and structure at a high level. Understand basic deal economics (LTV, DSCR, cash flow, collateral quality and location) well enough to screen opportunities and position PACT competitively before handing off to processing/underwriting/credit.

· Represent the brand. Be a credible, polished ambassador for PACT Capital at industry conferences, trade shows, and amongst other professionals in the markets we serve.

· Partner with Credit and Ops. Partner closely with the credit team to shepherd deals from first conversation to funded loan, keeping communication tight so PACT's single-point-of-contact to the borrowing relationships promise holds true.

· Feed market intelligence back to leadership. Surface competitive insights, pricing trends, and borrower pain points from the field.

QUALIFICATIONS

• Self-starter who thrives with autonomy and minimal hand-holding; entrepreneurial and high-accountability.
• Existing network or ability to build one quickly across California/Western U.S. real estate, CRE, or private credit circles.
• Working knowledge of real estate structure and lending fundamentals (senior secured debt, bridge, collateral analysis, and other basic underwriting and credit concepts).
• Strong presence - able to sit across the table from a borrower, broker, or family-owned operation and earn trust fast.
• Willingness to travel regularly within the territory.
• Bachelor's degree preferred; will weigh relevant experience heavily over credentials.
• Credit underwriting or analysis experience preferred, but not required
• Proficient in cash flow analysis and calculation of NOI and EBITDA
• Advanced analytical and problem-solving skills.
• Familiarity with Commercial Real Estate Concepts
• Fluent in Microsoft Office Suite (Outlook, Excel, Word, Power Point etc.)
• Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time.
• Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
• Possess excellent written, verbal, interpersonal and presentation skills, including ability to train and present to small and large audiences or has the interest in learning to train and present.

WHAT YOU CAN EXPECT FROM US

We succeed together - across the office and across the country, we believe the best inspire the best, so we invest in supporting each other, learning together, and celebrating success. We foster a collaborative work environment, where a commitment to excellence and wining is rewarded. We invest in team members and opportunities for their growth as the company grows!

What you can expect from us:

· Competitive Compensation Plan

· 401(k) Company Match Program – upon eligibility

· Annual Bonuses

· Medical, Dental and Vision

· Career Advancement Opportunities

· All Federal Bank Holidays

· Real Estate License – reimbursement for passing the real estate salesperson license exam

Still reading? Then we think you should apply!

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EEOE Statement

PACT Capital is an equal employment opportunity employer and does not discriminate based on race, color, national origin, religion, gender identity, sexual orientation, sex, age, disability, veteran or military status, genetic information, or any other characteristic protected by applicable law.

Pay: $67,400.00 - $250,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Paid time off
• Vision insurance

Work Location: Hybrid remote in Fresno, CA 93711