Residential Construction Loan Officer

CAPITAL COMMUNITY BANK; Pleasant Grove (UT); On-site; USD 70,000 - 90,000; Full time

Job summary

CAPITAL COMMUNITY BANK in Pleasant Grove is looking for a Residential Construction Loan Officer to drive the growth of our market share in residential construction projects. This role involves directly managing relationships with clients, sourcing lending opportunities, and collaborating with our mortgage company, Security Home Mortgage.

Qualified candidates will have over 5 years of experience in construction loans, excellent communication, and time management skills. Join us to help shape the future of construction lending!

Qualifications

• 5+ years of direct experience producing and managing construction loans in a banking environment.
• Thorough knowledge of financial statements and cash flow analysis.
• Experience with various lending products including land acquisition and residential builder guidance.

Responsibilities

• Contribute to the growth of CCBank in residential construction.
• Partner with the mortgage team to convert construction volume into mortgage relationships.
• Interview loan applicants and collect loan applications.

Skills

Construction loan management

Financial analysis

Loan underwriting

Communication skills

Time management

Education

5+ years in banking and construction loans

Tools

Moody’s

Sageworks

Encino

Job description

Job Location: Pleasant Grove - PLEASANT GROVE, UT 84062. Position Type: Full Time.

The Residential Construction Loan Officer will contribute to the growth of CCBank’s market share of residential construction projects with an emphasis on growing the bank’s homebuilder relationships. The officer will work directly with existing and prospective clients of the bank to efficiently manage relationships, source and develop lending opportunities, and underwrite and close loan requests, while ensuring that the bank is forming comprehensive relationships with our clients. The Officer will collaborate closely with the bank’s wholly owned mortgage company, Security Home Mortgage, to create dirt‑to‑term residential construction relationships.

Duties and Responsibilities

• Contribute to the growth and market share expansion of CCBank in the residential construction and development market.
• Partner effectively with the bank’s mortgage team to convert residential construction volume into mortgage relationships.
• Engage with customers to determine loan needs.
• Interview loan applicants.
• Collect and process loan applications and documentation.
• Evaluate credit and analyze financial documentation.
• Advise clients on loan policies and restrictions.
• Prepare loan proposals for credit approval with the support of the credit department.
• Coordinate with internal team members and third‑party vendors to complete closing due diligence and meet scheduled closing dates.
• Maintain and update client account records.
• Monitor and manage existing customer portfolio.
• Maintain compliance with local, state, and federal laws.
• Perform any other duties as assigned.

Qualifications

• 5+years of direct experience producing and managing construction loans in a banking environment, with a preferred emphasis in residential development and construction.
• Thorough and technical knowledge of financial statements, cash flow analysis, and loan structure.
• Direct experience with various lending products including land acquisition and horizontal development, residential builder guidance lines, residential construction loans (builder financing and consumer TRID). Candidate must have extensive experience in compliance with TRID requirements.
• Experience with financial spreading and loan underwriting tools (Moody’s, Sageworks, Encino, etc.).
• Exceptional ability to communicate proactively, clearly, and efficiently.
• Exceptional time management and task prioritization skills.