Construction Risk Analyst
About The Position
The Construction Risk Analyst I supports the Office of the CCO in analyzing and monitoring credit risk associated with construction and development lending. Responsibilities include reviewing construction draw requests, monitoring project completion timelines, assessing collateral and budget-to-complete status, preparing construction risk reports, and supporting due diligence on new construction credit exposures. The role assists senior analysts and management in identifying early warning indicators and ensuring construction credits are administered in compliance with internal policy and regulatory requirements.
Requirements
- Bachelor’s degree in finance required
- Microsoft Office proficiency (Excel required)
- Strong attention to detail and analytical thinking
- Effective written communication for report preparation
- Ability to collaborate across underwriting, credit, and operations teams
Nice To Haves
- Experience in Real Estate, Civil Engineering, Construction Management, Business Administration, or related field preferred
- 0-2 years of experience in construction lending, construction risk analysis, or commercial real estate credit
- Internship or entry-level experience in banking, real estate finance, or construction management preferred
- Exposure to construction draw management, inspection reports, or real estate appraisals a plus
- Basic real estate financial analysis and project valuation knowledge
- Foundational understanding of construction lending and draw request processes is a plus
Responsibilities
- Conduct comprehensive Construction Draw Analysis, collection of Construction/Project related documents.
- Routine monitoring of commercial credits by way of covenant tracking, servicing borrower inquires, and facilitating the gathering of essential portfolio data is essential
- Assist in the development and execution of monitoring policies and procedures to manage credit risk effectively and efficiently
- Understand the credit culture and risk tolerance as outlined by senior management and the Board, and proactively identify and mitigate potential threats against the safety and soundness of the loan portfolio
- Draft decision recommendations based on project progress, budget adherence, and lien releases.
- Monitor construction progress reports, identifying potential delays or risks.
- Coordinate with borrowers, contractors, and internal stakeholders to resolve draw-related issues
- Ensure adherence to bank policies, regulatory requirements, and funding conditions.
- Maintain accurate records and documentation of all draw requests and approvals
- Review and understand basic aspects of construction and construction documents to apply towards your review an analysis of a construction draw package
Benefits
- Medical, Dental, Vision, and Life Insurance
- Paid Sick Leave, 3 weeks’ Vacation, and Holidays (about 11 a year)
- HSA or FSA account and other voluntary benefits
- 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
- Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Entry Level
