Senior Construction Loan Administrator

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Thank you for your interest in our company! To apply, click on the button above. You will be required to create an account (or sign in with an existing account). Your account will provide you access to your application information. The email address used in establishing your account will be used to correspond with you throughout the application process. Please be sure and check the spam folder. You may review, modify, or update your information by visiting and logging into your account. JOB FUNCTION / SUMMARY: The Senior Construction Loan Administrator serves as the subject matter expert for the administration of commercial and residential construction loans. Evaluates documentation, recommends policy deviations, and exercises independent judgment in assessing project and financial risk across all stages of the construction lifecycle. Advises Relationship Managers, Credit, and Loan Operations on structuring, funding, and risk mitigation strategies to ensure project success and loan compliance. Operates with autonomy across a diverse portfolio of complex projects and acts as the primary decision-maker for construction-related documentation, funding decisions, and monitoring plans. ESSENTIAL DUTIES & RESPONSIBILITIES: Independently reviews construction documentation across multiple states to determine acceptability, applying judgment to assess legal, financial, and operational sufficiency. Formulates and recommends project-specific deviations from loan policy or standard procedures, escalating only when required by credit thresholds or regulatory exceptions. Serves as the primary reviewer of construction due diligence prior to closing, with authority to require amendments to credit approval packages when deficiencies are identified. Determines appropriate draw structures, release of contingency funds, and client out-of-pocket obligations, balancing project needs with loan constraints. Evaluates cost overruns, budget realignments, and non-standard funding requests, making decisions that materially impact the financial success and risk posture of the loan. Guides project stakeholders (RM, PM, CCA, client, and general contractors) through documentation expectations and disbursement processes. Trains internal stakeholders on construction funding procedures, document requirements, and state-specific lien law implications. Oversees risk assessment during the construction phase, identifying early warning signs of project failure and developing response strategies to mitigate exposure. May lead or advise on departmental procedural enhancements based on trends in builder risk, supply chain impacts, and regional construction market shifts. Acts as the construction monitoring lead on assigned projects, coordinating with inspectors, attorneys, and third parties to ensure accurate execution and adherence to loan terms. MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE: High school diploma or equivalent required; additional coursework in construction management, real estate, or finance preferred. 7 years of experience in commercial and/or residential construction lending or loan administration. Deep familiarity with construction documentation, project budgeting, and State Lien Law requirements across multiple jurisdictions. Ability to evaluate complex or incomplete third-party documentation and determine acceptability. Strong understanding of credit structuring, draw management, and project financial risk. Skilled in professional communication with clients, general contractors, and legal counsel. Experience advising or training internal stakeholders on construction loan practices. ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS: Ability to work under stress and meet deadlines Ability to lift/move/carry approximately 20 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement. Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.