CLO - Chief Lending Officer

### ProblemIn our rapidly evolving monetary system and capitalistic ecosystem, there are apparent gaps in funding, technology, and expertise that prevent ventures and projects from being efficient and scaling. This is why Gusher exists and other congruent platforms. Banks do serve a needed gap but all too familiar we know that the traditional banking system has failed the economy several times and needed to be bailed out. The alternative lending and capital industry has been instrumental in stepping in to fill these voids delivering timely solutions when other funding vehicles proved inadequate. Private Capital & UHNWI's have started raising their hands and organizing as Family Offices, and the private sector in general has pushed towards better processes, transparency and accountability.Although there are still large gaps preventing firms from deploying capital and entrepreneurs, investors, and developers from receiving capital. Alternative capital in some cases has even become like the oppressors seeking at one point in time to make big changes and solve unique problems but has defaulted to the more simple traditional path of funding those that are already "bankable." This gap is even more apparent in urban, diverse and disadvantages communities. Although, the research and data shows that these needed classes are actually responsible for the majority of the GDP by far, and the advancement of our civilization. In fact, According to the SBA, 99 percent of jobs are created by small business firms classified with 500 employees or less.The Affordable Housing gap and urban disparities are growing locally, nationally and Internationally. Communities are experiencing crime and blight from under developed initiatives. Financial Literacy and education around this subject matter is still an under serviced topic within urban and youth communities. Economists call our current system a fragile economy.Until we address these main concerns we cannot truly advance towards optimal outputs and creating the ideal economy of the future.### SolutionCommunity Backers, Inc is a private alternative lender and ecosystem capital solution that addresses this problem at its roots, creating more creative capital instruments and technology fin-tech solutions that bridge the gaps in capital, harmonizing capital providers with those seeking capital. In other words when other sources say no we say yes. Our model is, "No one works harder to get your deals approved."### MarketNational, International & Urban Consumer Debt is at all highs $30T, $300T and $3T estimated respectively. Online P2P Crowd and Lending platforms are expected to reach $1T within the next couple of years. Secret giants within the banking and private capital space raise to Trillions in AUM uncontested. There is plenty of room for any amount of capital interments we create that actually work and solve the problems and service the demographics they set out to address.Job Description : Chief Lending Officer (CLO) Equity Allocation : 0.08% Reporting To : CEO Cultural Mantra : "Lend with rigor, lend with heart—turn communities into capital engines." Mission Lead Community Backers, Inc. to deploy $1B+ in ethical loans that fuel underserved entrepreneurs, diverse developers, and regenerative projects. Balance financial discipline with radical empathy, ensuring every dollar lent builds wealth, housing, and hope—not just returns. Core Responsibilities Portfolio Alchemy Impact-Driven Lending : Allocate 40% of loans to minority-led real estate developers, women-owned businesses, and underserved markets (e.g., rural areas, urban renewal zones). Risk Innovation : Design dynamic risk models that reward borrower potential (e.g., mentorship track records, community impact plans) over traditional collateral. Syndication Strategy : Structure loan pools attracting ESG investors (target : 15%+ IRR) while retaining 20% for in-house impact projects. Borrower Empowerment Financial Advocacy : Host monthly "Borrower Bootcamps" to train clients on credit-building, cash flow management, and exit strategies. Mentorship Networks : Partner with NGOs to connect borrowers with industry mentors (e.g., seasoned developers, fintech founders). Crisis Navigation : Offer flexible repayment plans and grants for borrowers facing unforeseen hardships (e.g., natural disasters, market crashes). Regulatory & Ethical Guardrails Compliance Mastery : Achieve 100% pass rates on NMLS, SEC, and CFPB audits. Transparency Pact : Publish quarterly "Loan Impact Reports" detailing defaults, successes, and lessons learned. Anti-Predatory Pledge : Ban high-interest "opportunity loans" and hidden fees. Ecosystem Collaboration Partner Orchestration : Broker deals with community banks, credit unions, and proptech platforms to co-fund projects. Investor Storytelling : Craft narratives that turn loan metrics into human impact stories for LP updates (e.g., "This $5M Loan Housed 50 Families"). − Equity : 0.08% (4-year vesting, 1-year cliff + acceleration on $1B exit). Performance Bonus : Up to 45% of salary, tied to : 20% : Portfolio performance (IRR, defaults). 15% : Impact metrics (loans to underserved markets). 10% : Team culture scores. Who We’re Seeking Lending Luminary : 10+ years in commercial lending, impact investing, or community development finance with a portfolio of $300M+. Risk Alchemist : Expertise in non-traditional underwriting (e.g., character-based lending, social impact scoring). Culture : You’re a disruptor—maybe you’ve protested predatory lending, taught finance in prisons, or turned a "no" into a historic "yes" for an underserved borrower. Risk Revolutionary : Proves "high-risk" markets are mispriced opportunities (e.g., approves a loan for a refugee-led housing project\ that yields 20% IRR). Empathy Auditor : Rejects deals that prioritize profit over people (e.g., gentrifying developments without affordable units).\ Deal Poet : Trains teams to see loan applications as human stories, not spreadsheets. Bridge Builder : Connects Wall Street rigor with Main Street heart. Legacy Loans : Your decisions will house families, launch businesses, and reshape neighborhoods. Autonomy with Purpose : Lead lending strategy with founder-level creativity and unicorn-level resources. Ethical Frontier : Prove that finance can be both profitable and humane. Loan Syndication : Structure $20M+ deals with 12%+ net returns. Risk Mitigation : Implement geo-diversified portfolios (max 10% exposure per market). Regulatory Compliance : Ensure 100% adherence to NMLS / state lending laws. Risk Alchemist : Turns high-risk opportunities into gold through rigorous due diligence. Relationship Builder : Cultivates trust with borrowers and institutional partners.GoalsThe following goals must be reached to get awarded with

• 0.08%
• equity of
• Community Backers, Inc
• when launched.Skills :
• Real Estate
• Platforms
• Design
• Finance
• Lending
• Collaboration
• Development
• Strategy
• User Research | Wireframing | Journey mapping | Information Architecture | Sketching and Storyboarding | Prototyping | Usability testing | Mobile Interface Design | Interface Design |
• | Figma | Adobe | Photoshop | Illustrator | WordPress | Framer | HTML | CSS | Python | Java | MATLAB | Rapid prototyping | AutoCAD | Inventor | Fusion 360 | Solid Works | 3-D printing |- 0.08% equity for this role- Closed to fill this role

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