CCAM Construction Analyst

About the role

Assumes responsibility for complex activity of Commercial Construction Loan monitoring, and portfolio risk management. Ensures the timely processing of construction loan closings and monthly advance requests, monitors collateral positions, and project status conditions to ensure projects financed remain on schedule and within the approved budget providing a high level of customer service and support.

Responsibilities

• Supports CCAM Manager with reviewing credit approvals, construction due diligence items and loan documentation to ensure transactions comply with Bank policy and procedures for large, complex commercial construction loans.
• Independently monitors a portfolio of large, complex commercial construction loan accounts and ensures loans are in compliance with the Credit Memo and Business Loan Agreement.
• Reports any exceptions or performance issues and adheres to Key and Secondary SOX Controls pertaining to the engagement of independent site consultants, building and maintaining a detailed project budget, and securely disbursing loan draws per the borrower’s funding instructions.
• Maintains a high level of customer service and support, and completes special projects as requested.
• Identifies potential portfolio risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined.
• Provides support as it relates to the proposed construction project and prepares commentary for credit underwriting to include in approvals including: reviewing and analyzing construction related documentation, providing recommendations for construction loan conditions and structure to comply with policies and procedures, contacting customers, Regional Credit Officers, and commercial bankers to resolve discrepancies, and providing ongoing customer service in the monitoring of Construction loans.
• Ensures compliance with existing loan policies and procedures.
• Develops a working knowledge of all assigned customers and associated construction projects.
• Maintains databases and files for Commercial Construction loan budgets, Site Summary Reports for loan adequacy, project timelines, interest reserves and absorption rates during the construction draw period.
• Coordinates and engages third party inspections and Plan, Cost & Documentation Reviews by professional engineering consultants from the Bank’s approved list. Reviews results, and discusses variances with engineer and utilizes report to decide construction loan disbursements.
• Makes site inspections on Construction Loans to verify collateral.
• Downloads and prepares monthly departmental construction loan reports of the Commercial Construction Lines of Credit portfolios.
• Maintains a good working relationship with bank employees.
• Demonstrates strong interpersonal skills with the ability to work independently, as well as motivated to work as a team player to contribute to the success of the department, and in turn the organization.
• Utilizes the bank’s credit underwriting, approval, and workflow system, nCino, to track loan status, verify pre-funding documentation and approve initial funding.
• Assumes additional responsibilities as required.

Requirements

Requires a four-year degree or equivalent.

Requires one to two years general business experience.

Qualifications

Primary parts of the body involved include fingers, thumb, hand. Sitting 80-90% of the day. This work can be performed with reasonable accommodations.

Skills

Requires strong interpersonal skills, the ability to work independently, and motivation to work as a team player to contribute to the success of the department, and in turn the organization.

Benefits

N/A

Pay

$48,000.00 - $115,500.00

Schedule

Monday - Friday 8:00AM-5:00PM (Additional hours as necessary to meet the objectives of the department)