Commercial Construction Loan Associate

Farmers & Merchants Bank of Central California; Lodi (CA); On-site; USD 75,000 - 95,000; Full time

Job summary

F&M Bank in Lodi, CA, seeks a Commercial Construction Loan Associate to work full-time on-site. You will assist with loan origination, processing, and closing for construction loans, coordinating with relationship managers, borrowers, and third-party vendors.

You will monitor draw requests, track budgets, and ensure compliance with policies while maintaining organized records and updating loan systems. Strong communication and banking basics are essential.

Qualifications

• Experience or coursework in commercial lending, construction financing, or related banking operations.
• Strong analytical and detail-oriented skills for reviewing financial information, documentation, and project budgets.
• Proficiency with office productivity software (e.g., Microsoft Excel, Word) and ability to learn banking and loan management systems.
• Effective written and verbal communication skills, with the ability to work collaboratively with colleagues, clients, and vendors.
• Solid organizational and time-management abilities to handle multiple loans, deadlines, and documentation requirements.
• Understanding of basic credit principles, collateral evaluation, and regulatory compliance preferred.
• Prior experience in banking, commercial real estate, construction, or loan administration is beneficial.
• High school diploma or equivalent required; associate or bachelor’s degree in business, finance, or a related field is preferred.

Responsibilities

• Assist with loan origination, processing, documentation, and closing activities for commercial construction loans.
• Coordinate with relationship managers, borrowers, and vendors to service construction, participation and syndication loans.
• Monitor construction draw requests and track project progress against budgets and timelines.
• Maintain organized records and update loan systems; prepare internal reports.
• Provide responsive service to internal and external stakeholders.
• Ensure compliance with bank policies and regulatory requirements.

Skills

Commercial lending

Analytical skills

Office software

Written and verbal communication

Organizational skills

Credit principles

Banking experience

Education

High school diploma

Associate or bachelor’s degree in business/finance

Tools

Microsoft Excel

Microsoft Word

Loan management systems

Job description

Company Description

F&M Bank, headquartered in Lodi, California, is a locally owned and operated full-service community bank with more than $5.3 billion in assets and over 32 locations serving communities across the state. Recognized for its financial strength, the bank has maintained a Five-Star, Superior Bank rating from Bauer Financial for more than 20 years, longer than any other commercial bank in California. F&M Bank is deeply committed to community reinvestment in the Central Valley and East Bay, carrying an “Outstanding” rating from the Federal Government for its efforts. The bank focuses on meeting the banking needs of local businesses, the agriculture sector, and families while continuing to grow and prosper. Team members join a stable, community-focused institution that values long-term relationships and local expertise.

Role Description

The Commercial Construction Loan Associate is a full-time, on-site role based in Lodi, CA. This role supports commercial construction lending by assisting with loan origination, processing, documentation, and closing activities. Daily responsibilities include coordinating with relationship managers, borrowers, and third-party vendors to service construction, participation and syndication loans. The associate monitors construction draw requests, tracks project progress against budgets and timelines, and ensures compliance with bank policies and regulatory requirements. The role also involves maintaining organized records, updating loan systems, preparing internal reports, and providing responsive service to internal and external stakeholders.

Qualifications

• Experience or coursework in commercial lending, construction financing, or related banking operations.


• Strong analytical and detail-oriented skills for reviewing financial information, documentation, and project budgets.


• Proficiency with office productivity software (e.g., Microsoft Excel, Word) and ability to learn banking and loan management systems.


• Effective written and verbal communication skills, with the ability to work collaboratively with colleagues, clients, and vendors.


• Solid organizational and time-management abilities to handle multiple loans, deadlines, and documentation requirements.


• Understanding of basic credit principles, collateral evaluation, and regulatory compliance preferred.


• Prior experience in banking, commercial real estate, construction, or loan administration is beneficial.


• High school diploma or equivalent required; associate or bachelor’s degree in business, finance, or a related field is preferred.