VP/Residential Construction Loan Officer

Kearny Bank•Fairfield, CA

47d•$125,000 - $200,000

About The Position

Responsible for sourcing, analyzing and coordinating the delivery of residential construction financing to qualified borrowers in the Bank's market area. Responsible for growing the residential construction loan portfolio through our existing client base and for prospecting new high quality real estate clients. Own all aspects of their portfolio. Responsible for identifying, originating and delivering financing solutions to those borrowers or owners seeking construction financing

Requirements

High school diploma or equivalent required; bachelor's degree is strongly preferred.
Minimum 5 years of experience in residential construction lending or related field required.
MS Office proficiency required.
Strong knowledge of residential construction processes and lending regulations.
Ability to read, analyze, and interpret financial statements, accounting papers, income tax returns, bank policies, and governmental regulations.
Acute attention to detail needed.
Excellent written and verbal communication skills.
Excellent customer service skills

Responsibilities

Develop sales, marketing, and calling plans to effectively generate new lending opportunities and expand existing client relationships within the target market.
Review and evaluate borrower financial capacity and ability to qualify for residential construction loan products.
Assess project feasibility prior to acceptance into the residential build-to-permanent loan program.
Coordinate with residential underwriting, risk, and credit management teams to ensure all transactions meet internal underwriting and risk guidelines.
Manage existing loan portfolios and monitor account financial conditions to maintain acceptable risk levels, including:
Preparing timely written loan renewal requests
Collecting past-due payments diligently
Reviewing and approving the third party vendor findings from site visits
Maintaining accurate and up-to-date loan files
Provide customers and prospects with financing options and counsel throughout the loan process.
Present loan requests for committee review and approval.
Manage all phases of the sales life cycle, including lead generation, loan structuring, policy compliance, product knowledge, and financial analysis.
Utilize decision-making tools and credit analysis skills to make sound credit and structuring decisions.