VP / Residential Construction Loan Officer

Residential Construction Financing Specialist

Responsible for sourcing, analyzing and coordinating the delivery of residential construction financing to qualified borrowers in the Bank's market area. Responsible for growing the residential construction loan portfolio through our existing client base and for prospecting new high quality real estate clients. Own all aspects of their portfolio. Responsible for identifying, originating and delivering financing solutions to those borrowers or owners seeking construction financing

Responsibilities

• Develop sales, marketing, and calling plans to effectively generate new lending opportunities and expand existing client relationships within the target market.
• Review and evaluate borrower financial capacity and ability to qualify for residential construction loan products.
• Assess project feasibility prior to acceptance into the residential build-to-permanent loan program.
• Coordinate with residential underwriting, risk, and credit management teams to ensure all transactions meet internal underwriting and risk guidelines.
• Manage existing loan portfolios and monitor account financial conditions to maintain acceptable risk levels, including :
• Preparing timely written loan renewal requests
• Collecting past-due payments diligently
• Reviewing and approving the third party vendor findings from site visits
• Maintaining accurate and up-to-date loan files
• Provide customers and prospects with financing options and counsel throughout the loan process.
• Present loan requests for committee review and approval.
• Manage all phases of the sales life cycle, including lead generation, loan structuring, policy compliance, product knowledge, and financial analysis.
• Utilize decision-making tools and credit analysis skills to make sound credit and structuring decisions.

Qualifications

WORKING CONDITIONS :

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

Perform routine and typical tasks of an office such as typing, taking notes, reading / reviewing, computer work, filing, copying, answering phones, etc. that may require employee to view, stand, stoop, kneel, or crouch and lift. Position requires frequent travel to client sites, corporate offices, and industry / community events.

The successful candidate will be required to prove on the first day of work that they are legally authorized to work in the U.S. The Bank will not sponsor a candidate for a visa or for work authorization.

COMPENSATION : $125,000 to $200,000 annually