Mortgage Loan Officer

Responsibilities

• Proactively develop and maintain a referral network of home builders, general contractors, realtors, title companies, and real estate attorneys to generate a consistent pipeline of construction loan opportunities.
• Originate construction loans to both builders (spec and pre-sold projects) and end-user borrowers (construction-to-permanent and stand-alone construction), structuring each transaction appropriately for the borrower type.
• Represent Credit Union of Georgia at community events, builder associations, home shows, and Chamber functions to build brand awareness and generate new member relationships.
• Conduct consultative sales conversations with prospective borrowers and builders to understand project goals, assess financing needs, and present appropriate CUofGA construction loan products.
• Uphold the CUofGA member journEASE experience standards — Engage, Ask, Solve, and Excite — delivering exceptional service at every touchpoint.
• Identify cross-sell opportunities for other CUofGA products and services throughout the relationship lifecycle.
• Receive, review, and process construction loan applications for both builder and end-user borrowers; gather and analyze financial documentation, credit reports, project budgets, plans, and contractor credentials.
• Evaluate creditworthiness and collateral adequacy; submit qualified applications with complete packages for underwriting review and present recommendations to Loan Committee as appropriate.
• Congnorate with members, underwriters, title companies, and builders on behalf of CUofGA to ensure all loan conditions and documentation requirements are satisfied prior to and after approval.
• Maintain current NMLS registration throughout employment and comply with all applicable regulations including the SAFE Act, Bank Secrecy Act, and NCUA requirements.
• Establish and manage appropriate reporting for all construction projects; track available funds relative to percentage of completion and process draw requests in accordance with disbursement schedules.
• Review draw documentation including Contractor Verified Statements, Owner’s Sworn Statements, lien waivers, and inspection reports to verify work completion before authorizing fund releases.
• Determine when to order partial and final inspections; monitor construction progress against the approved budget and timeline, and request plat surveys upon foundation completion.
• Communicate regularly with borrowers and builders throughout the construction period to ensure timely, accurate disbursements and keep all parties aligned on project status.
• Proactively identify and escalate funding disputes, construction delays, or budget variances that could impact collateral integrity or CUofGA’s lien position, and coordinate with management on appropriate resolution.

Requirements

• Minimum 3–5 years of mortgage, construction, or commercial lending experience, with demonstrated production results.
• Direct experience originating and administering residential construction loans, including builder/spec lending and construction-to-permanent products, strongly preferred.
• Established builder or realtor referral network in the greater Atlanta market is a significant advantage.

Qualifications

• College degree preferred; two-year degree or equivalent business/trade school coursework required.
• Active NMLS registration required and must be maintained throughout employment.
• Annual compliance training required (cybersecurity, Bank Secrecy Act, and other regulatory modules).