Construction Loan Processor Jobs (NOW HIRING)

The Construction Loan Processor is responsible for administering construction loan disbursements, ensuring all draw requests are processed accurately, timely, and in compliance with Bank policies, loan agreements, and regulatory requirements. This role coordinates with borrowers, contractors, inspectors, title companies, and internal partners to facilitate the review and funding of construction draws.

The position ensures that all required documentation is complete and compliant, identifies and resolves discrepancies, and supports the overall integrity of the construction lending process through diligent file maintenance and adherence to established controls.

Essential Duties And Responsibilities

• Administers and tracks all construction loan disbursement requests in accordance with Bank policies and established procedures.
• Processes and manages draw requests utilizing the Built fund control system, ensuring accurate and timely updates.
• Reviews draw packages to verify receipt and completeness of required documentation, including invoices, lien releases, and W-9 forms.
• Coordinates property inspections with approved third-party vendors and ensure timely completion of inspection reports.
• Communicates with borrowers and contractors to obtain missing or incomplete documentation necessary to process draw requests.
• Evaluates draw requests and supporting inspection reports to identify discrepancies, deficiencies, or potential risks.
• Prepares disbursement documentation, including cashier's checks, and process funding upon approval from the appropriate lending authority.
• Liaises with title companies to obtain and review required documentation, such as Notices of Completion, updated title policies, and recorded mechanic's lien releases.
• Maintains accurate and organized loan files in compliance with internal controls, audit requirements, and regulatory standards.
• Provides backup support for administrative functions, as needed.
• Complies with, and stays abreast of, all policies and procedures, federal and state laws applicable to the job.
• Provide, present, and promote the Citizens Experience to all external and internal customers.
• Other duties as assigned.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Bachelor's degree (B. A.) or equivalent from four-year college or technical school; or one-year related experience and/or training; or equivalent combination of education and experience.

Language Skills

Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

Mathematical Skills

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent, and to draw and interpret bar graphs.

Reasoning Ability

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

Computer & Software Skills

To perform this job successfully, an individual should have knowledge of Microsoft Excel, CLCS and/or Built (fund control software for disbursements).

Other Skills and Abilities

• Ability to review complex draw packages, identify discrepancies, and resolve issues efficiently while minimizing risk.
• High level of precision when reviewing documentation, calculating disbursements, and maintaining loan records to ensure compliance and audit readiness.
• Understanding of draw cycles, lien releases, title requirements, and construction loan agreements.
• Ability to communicate clearly and professionally with borrowers, contractors, title companies, and internal partners, while driving timely responses.
• Ability to manage multiple loans and competing deadlines in a fast-paced environment while ensuring timely processing of draw requests.
• Ability to recognize potential risks or deficiencies in documentation and ensure adherence to internal controls, policies, and regulatory requirements.
• Experience working with loan servicing systems and fund control platforms (e.g., Built), along with general proficiency in Microsoft Office applications.

Physical Demands

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the associate is regularly required to talk or hear. The associate is frequently required to stand; walk; sit; and use hands and fingers to handle or feel. The associate is occasionally required to reach with hands and arms, and stoop, kneel, crouch or crawl. The associate is regularly required to operate a computer keyboard, mouse, calculator and telephone and reach with hands and arms. The associate must occasionally lift and/or move up to ten (10) pounds. Specific vision abilities required by this job include close vision and distance vision.

Work Environment

The work environment is usually moderate.

Salary Range: $30.18 To $42.26 Hourly

Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.