Job Overview: The candidate is responsible for managing and growing an established portfolio of residential builders, developers, contractors, and construction borrowers. This individual will focus on providing exceptional customer service, building long-term relationships, identifying opportunities to expand existing customer relationships, and developing new construction lending business while maintaining sound credit quality and risk management.
The candidate for this position will be responsible for:
Managing an established portfolio of builder and construction lending relationships by delivering exceptional customer service and serving as the primary point of contactBuilding long-term relationships with existing customers while identifying opportunities to expand lending, deposit, treasury management, and other commercial banking servicesDeveloping new residential construction lending relationships through referrals, networking, community involvement, and business development effortsOriginating residential construction loans, including builder guidance lines, spec home financing, pre-sold construction loans, lot loans, and residential development loansConducting builder visits, construction site inspections, and customer meetings to strengthen relationships and identify financing opportunitiesPreparing credit presentations and working with Credit Administration throughout the underwriting and approval processMonitoring builder performance, inventory levels, project progress and market conditionsRepresenting the bank within the residential construction industry and local Home Builders AssociationsRequirements for the position include:
Bachelor's degree in a related fieldMinimum of three years of banking, commercial lending, mortgage lending, construction lending, business development, sales, or related financial services experienceStrong relationship management, communication, and customer service skillsStrong organizational, analytical, and problem-solving abilitiesProficiency in Microsoft Office applications, including Excel and WordAbility to travel regularly for customer meetings, builder visits, loan closings, construction site inspections, and industry eventsPreferred qualifications for this position include:
Proven ability to develop and manage long-term relationships with residential builders, developers, contractors, and construction borrowersProven success in relationship management, business development, and portfolio growthExperience identifying opportunities to expand existing customer relationships through lending, treasury management, deposit, and other commercial banking productsStrong understanding of local residential housing markets, construction industry trends, and builder financing needsKnowledge of residential construction or commercial lending, credit analysis, and underwriting principlesActive involvement in the local business or residential construction community through industry associations, networking organizations, or community eventsEEO/Veterans/Disabled
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