Commercial Construction Loan Specialist

Ent Credit Union

Apple Valley (MN)

On-site

USD 78,000 - 91,000

Full time

2 days ago

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Benefits offered by this job

Generous 401(k) match

Health Insurance

Tuition Reimbursement

Paid Vacation

Job summary

Ent Credit Union seeks a Commercial Construction Loan Specialist to manage end-to-end processing of construction loans, including draws, lien monitoring, inspections, and documentation. You will coordinate with borrowers, builders, inspectors, loan officers, and internal stakeholders to ensure compliance and risk management.

The role emphasizes member satisfaction, regulatory adherence, and collaboration with management to improve operational efficiency within a unified lending framework.

Qualifications

4+ years of experience in commercial construction lending or related fields.
Bachelor’s degree preferred in Finance, Accounting, Business, Economics, Construction Management or related field.
High School Diploma/G.E.D. required.

Responsibilities

Review loan documents to establish construction terms, budgets and funding.
Coordinate project setup within loan servicing systems.
Review and approve complex draw requests aligned with milestones and inspections.
Monitor lien waivers, title updates, and collateral protections.
Serve as liaison between borrowers, builders, inspectors, title companies and loan officers.
Assist management with construction portfolio analytics and risk reporting.

Skills

Commercial construction lending

Customer relationship building

Collaboration

Adaptability

Decision making

Education

Bachelor’s degree in Finance/Accounting/Business/Economics/Construction Management or related field

High School Diploma/G.E.D.

Job description

Ent Credit Union and Wings Credit Union joined forces in January 2026. This merger means more opportunities, expanded resources, and a shared commitment to delivering exceptional member service. Together, we become more - empowering members, communities, and teams through a bold, unified future. Both organizations bring a strong legacy of member satisfaction, operational excellence, financial stability, and community impact. Recognized locally and nationally as best-in-class financial institutions and employers of choice, each is known for its commitment to financial well-being and philanthropic leadership. Join us during this transformative time and be part of shaping the future of banking! To learn more about the merger, click here.

Job Description

The Commercial Construction Loan Specialist is responsible for supporting the end-to-end processing of both construction-to-permanent and standalone construction loans. This position manages a complex portfolio while ensuring strict compliance with regulatory and organizational standards and loan agreements. This role coordinates construction draws, lien monitoring, inspections, documentation, funding, and risk management. In addition, the specialist collaborates closely with management to improve operational efficiency and acts as a central liaison between borrowers, builders, inspectors, loan officers, and internal stakeholders. The role emphasizes effective risk mitigation, strong relationship management, member satisfaction, and requires in-depth knowledge of applicable lending policies.

Essential Functions

Review loan documents to ensure construction terms, budgets, and funding requirements are accurately established.
Coordinate project setup within loan servicing and/or any construction loan management systems.
Review and approve complex draw requests, ensuring alignment with project milestones, budget, and third-party inspection results.
Validate percentage of completion calculations and remaining funds availability.
Monitor lien waivers, title updates, endorsements, and other collateral protection requirements.
Review project budgets for cost overruns and identify potential project risks, escalating any concerns regarding delays, budget deficiencies, contractor issues, and/or collateral risks.
Ensures compliance with loan covenants and construction loan agreements.
Serves as point of contact for borrowers, contractors, builders, title companies, and inspectors.
Provide guidance regarding draw procedures, documentation requirements, and project expectations.
Participate in audits, quality control reviews, third-party examinations, and pipeline reporting.
Maintain accurate records of inspections, funding approvals, and project status updates.
Assist management with construction portfolio analytics and risk reporting.
Performs other duties as assigned.
Bank Secrecy Act: Remains cognizant of and adheres to Wings policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Qualifications

High School Diploma/G.E.D. required
Bachelor's Degree in Finance, Accounting, Business Administration, Economics, Construction Management, Project Management, or other related field of study, preferred
4+ years of experience in commercial construction lending, construction administration, loan servicing, commercial credit, or construction-related experience, required

Technical Or Specialized Knowledge/Skills

Strong understanding of commercial construction lending practices.
Member Focused: Proven ability to build strong customer/member relationships and delivering customer/member-centric solutions.
Collaborates: Known for building partnerships and working collaboratively with others to meet shared objectives.
Action Oriented: Proven track record of taking on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm.
Situational Adaptability: Ability to adapt approach and demeanor in real time to match the shifting demands of different situations.
Experience in Built Technologies construction draw management platform, preferred.

Certifications Required

Driver's License required

Additional Information

PAY RANGE: $78,000- $91,000 (S15), plus 10% annual target bonus.

Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, location and internal pay equity.

Benefits