5-7 years of experience in commercial mortgage and construction loan management
Strong understanding of bank operations and loan procedures
Proven ability to manage complex transactions independently
Excellent communication skills for interfacing with clients and professionals
Experience in credit analysis and loan underwriting
Demonstrated leadership in managing commercial account relationships
Familiarity with governmental loan programs
Responsibilities
Oversee the entire construction loan process and ensure compliance with policies
Interface with external experts like accountants and architects for project financing
Structure and underwrite construction loans in collaboration with Credit Administration
Select and manage third-party professionals for project feasibility and inspections
Prepare monthly reports on the status of all construction loans
Solicit new business and maintain relationships with commercial real estate developers
Analyze financial data to assess creditworthiness and manage loan approvals
Benefits
Professional development opportunities
Community involvement initiatives
Cross-selling opportunities within the bank
Access to a network of industry professionals
Supportive team environment for complex transactions
Full Job Description
Manage Bank's Construction Loan process and procedures as well as develop and maintain a portfolio of new and existing commercial mortgage and construction loan accounts.
Manage Bank's Construction Loan Process
- Oversee all aspects of construction process including maintenance of appropriate construction procedures and policies in conjunction with Commercial Services, SVP - Department Head.
- Effectively interface with outside experts such as accountants, appraisers, architects, attorneys & engineers associated with projects being financed.
- Structure, coordinate and underwrite construction loans in conjunction with Credit Administration and other commercial loan officers as applicable.
- Manage selection of third party professionals including engineers, building professionals and inspection firms to coordinate project cost feasibility, budget reviews and inspections.
- Actively manage and prepare a monthly report on status of all construction loans.
- Structure, coordinate and underwrite loans in conjunction with Credit Administration as applicable.
- Able to handle multiple, complex transactions at a time.
- Knowledgeable in bank operations, procedure and in the types of transactions which are most desirable to the Bank.
New Business Development and Community Involvement
- Develop and manage large and most complex commercial account relationships with a focus towards commercial real estate developers and construction projects.
- Communicate with customers throughout application, loan and construction process as appropriate.
- Solicit for new business and interview applicants.
- Participate in joint calling efforts with branch personnel and commercial lenders.
- Demonstrate strong leadership skills.
- Cross sell bank products and services, counseling customers on pertinent product awareness.
- Communicate with internal and external customers throughout application and loan process.
- Maintain, through active participation, professional and community relationships, increasing the Bank's visibility within the marketplace furthering professional development
Credit Administration
- Collect and analyze financial and related data to establish creditworthiness.
- Approval as appropriate of loan policy exceptions, modifications, risk ratings, etc.
- Monitoring of problem construction loan credits to ensure prompt follow-up and resolution.
- Management of credit approval process for construction loans to ensure adherence to established loan policies and procedures.
- Able to handle multiple, complex transactions at a time with little supervisor assistance.
- Knowledgeable in bank operations, procedures, and in the types of transactions which are most desirable to the Bank.
- Structure, coordinate and underwrite all loans in conjunction with Credit Administration as applicable.
- Handle new loan requests in conjunction with governmental loan programs.
About union savings bank
Union Savings Bank is a full-service community bank that has been serving the Greater Cincinnati area for over 100 years. The bank offers a wide range of personal and business banking services, including checking and savings accounts, loans, mortgages, and wealth management services. Union Savings Bank is committed to providing exceptional customer service and building long-lasting relationships with its customers.
