Commercial Construction Administration Specialist

SouthState Bank Corporation; Winter Haven (FL); On-site; USD 60,000 - 96,000; Full time

Job summary

SouthState Bank seeks a Construction Loan Draw Specialist in Florida to join Loan Administration. You will manage commercial construction loan draws, review budgets, and ensure timely processing in line with policy and procedures.

Responsibilities include approval decisions on draws, monitoring budgets and schedules, collecting lien releases and related documents, and coaching lenders for a smooth construction process.

Qualifications

• Experience with mortgage or commercial banking; 3+ years preferred.
• Strong analytical and written/verbal communication skills.

Responsibilities

• Manage commercial construction loan draws with accurate, timely processing per policy.
• Review and approve construction draws and monitor project budgets.
• Ensure projects stay on time and within budget; manage HVCRE designated loans.
• Validate inspection reports and invoices and decide draw approvals or adjustments.
• Monitor budget changes, allocate funds or require borrower equity as needed.
• Collect and manage documents for draw releases (lien releases, surveys, insurance, change orders).
• Maintain project budget workbook and supporting documentation.
• Coach lenders to ensure a smooth construction process.
• Coordinate final code conversions for reporting as loans transition from construction to term.
• Identify potential issues affecting collateral or repayment.

Skills

Excel

Clear communication

Education

College Degree

Job description

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions.

We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

SUMMARY/OBJECTIVES

Works with Loan Administration, Credit Risk, and Commercial Lending to manage the Bank's risk as it relates to the commercial construction portfolio.

ESSENTIAL FUNCTIONS

• Primarily responsible for ensuring accurate and timely processing of commercial construction loan draws in accordance with policy and procedures to ensure efficient, high quality loan processing.
• Primary contact responsible for review and approval of commercial construction loan draws and budget monitoring.
• Responsible for processing loan draws and ensuring all projects remain on time and within budget as well as the reporting and tracking of the commercial construction portfolio to include management of the HVCRE designated loans.
• Within the management of construction process, will review and validate the inspection report and all invoices to determine validity of costs and that requested amounts are applicable to provide an advance approval decision to the Lender. Based on the results of each appraisal and draw review, the role is to decision an approval on each draw request or to adjust that request downward based on supportable evidence or lack thereof. The project status should be monitored on a continual basis for cost increases and change orders and determine if the budget is sufficient to complete by either reallocating funds between existing budget line item availability or requiring an additional injection of Borrower equity. Should additional equity be required, any alternative request to delay or adjust the timing of such injection must be reviewed and decisioned or escalated for an additional approval.
• Responsible for collecting, reviewing, and managing all documents required for draw releases are obtained and adequate including lien releases, surveys, insurance, change orders, etc.
• Maintain a detailed workbook of the project budget along with supporting documentation in an organized and logical manner.
• Ongoing training/coaching of Lenders to ensure a smooth construction process.
• Responsible for final code conversion for proper reporting as the loan transitions for a construction loan to a term loan.
• Responsible for ongoing project review to ensure early identification of any issues or potential issues related to the construction of the project that would delay completion or have a negative impact on the Bank's collateral position or repayment.

ADDITIONAL RESPONSIBILITIES:

• Other special projects related to reporting, portfolio maintenance, or team support.

OTHER DUTIES

• Accept other duties as assigned.

COMPETENCIES

• Excel
• Clear communication

Qualifications and Education Requirements

• Education: College Degree
• Experience: Min 3 years mortgage or commercial banking experience. Experience with loan closings and construction draw monitoring a plus.
• Knowledge: Background/understanding of commercial construction, ability to manage multiple processes, mulit-task, work in a fast paced environment, detail oriented. Strong verbal and written communication skills, ability to collaborate with business partners and customers to resolve issues and ensure projects remain within budget. Detail oriented with critical thinking and analytical analysis skills. Ability to identify potential issues and recommend change.

TRAINING REQUIREMENTS/CLASSES

On the job training and any additional training as needed (i.e. MS Excel, MS CRM, Report Writing and Processing Program, General Ledger and Financial Reporting Program and Core Processing System). Required annual compliance training.

RECOMMENDED ADDITIONAL TRAINING

New Employee Orientation, Product Knowledge Class

Supervisory Responsibility

This position has no supervisory responsibilities.

PHYSICAL DEMANDS/WORK ENVIRONMENT

Must be able sit for long periods of time. Must be able to effectively access and interpret information on computer screens, documents, and reports. Proficient in both an office setting and/or remote work location.

TRAVEL

This position does not require travel.

In accordance with Colorado and Virginia law: Pay for this position is anticipated to be between $59,959.00 - $95,780.00 , actual offers to be determined based on applicant's skills, experience and education.While the anticipated deadline for the job posting is 12-10-2026, we encourage you to submit your application as we may still consider qualified candidates beyond this date.

Benefits | SouthState Careers

Equal Opportunity Employer, including disabled/veterans.