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Essential Lending Jobs (NOW HIRING)

CalPrivate Bank

Construction Lending Manager

San Diego, CA · On-site

$140K - $176K/yr

... essential to maintaining efficient workflows, exceptional client service, and prudent portfolio ... The Construction Lending Manager also assists the Chief Credit Officer and senior management with ...

Astra Bank

Lending Assistant

Scandia, KS · On-site

Lending Assistant Astra Bank At Astra Bank, we believe in building strong relationships-both with ... The preceding has been designed to indicate the general nature and essential duties and ...

Astra Bank

Lending Assistant

Scandia, KS · On-site

Lending Assistant Astra Bank At Astra Bank, we believe in building strong relationships--both with ... The preceding has been designed to indicate the general nature and essential duties and ...

First Secure Bank & Trust, Inc.

$140 - $175/hr

Essential Duties and Responsibilities * Leadership and department management: Provide strategic leadership and supervision for the lending department, including loan origination, servicing ...

Yoakum National Bank

Lending Assistant

Ganado, TX · On-site

We are seeking a Lending Assistant in our Ganado Branch The Lending Assistant serves as the primary ... To perform this job successfully, an individual must be able to perform each essential function ...

Safety National

AVP of Consumer Lending

Sumter, SC · On-site

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following: • Responsible for meeting credit union-wide assigned sales and service goals for consumer lending. • Responsible for the growth and ...

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Essential Lending information

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$25K

$42.1K

$63K

How much do essential lending jobs pay per year?

As of Sep 4, 2026, the average yearly pay for essential lending in the United States is $42,087.00, according to ZipRecruiter salary data. Most workers in this role earn between $35,000.00 and $45,000.00 per year, depending on experience, location, and employer.

What is essential lending?

Essential Lending typically refers to financial services that provide necessary loans or credit to individuals or businesses for essential needs, such as housing, education, healthcare, or small business operations. Organizations or professionals working in essential lending help borrowers access critical funds, often focusing on responsible lending practices and financial inclusion. These services can be offered by banks, credit unions, or specialized lending institutions. The goal is to support borrowers with fair terms and transparent processes, ensuring access to vital financial resources.

What are the key skills and qualifications needed to thrive in essential lending?

To thrive in Essential Lending, you need a solid understanding of loan products, credit analysis, and financial regulations, often supported by a background in finance, banking, or a related field. Familiarity with loan origination software, credit scoring systems, and regulatory compliance tools is typically required. Strong interpersonal skills, attention to detail, and ethical judgment help build trust with clients and ensure accurate processing. These skills are crucial for maintaining compliance, minimizing risk, and delivering excellent customer service in a highly regulated lending environment.

How does an essential lending professional typically collaborate with other departments to ensure a smooth loan approval process?

Essential Lending professionals work closely with underwriting, credit analysis, and customer service teams to facilitate the loan approval process. They often act as a bridge between clients and internal departments, ensuring that all necessary documentation is gathered and any issues are resolved promptly. Effective communication and coordination are vital to prevent delays and maintain compliance with regulatory standards. This collaborative approach helps create a seamless experience for the borrower while safeguarding the financial institution's interests.

What is the difference between Essential Lending vs Mortgage Loan Officer?

AspectEssential LendingMortgage Loan Officer
CredentialsLoan originator license, financial backgroundLoan originator license, financial background
Work EnvironmentBank, credit union, mortgage companyBank, mortgage broker, credit union
Industry UsageFinancial institutions offering lending servicesFinancial institutions, mortgage brokers
Job FocusProcessing and approving loans, client consultationSelling mortgage products, client consultation

Essential Lending and Mortgage Loan Officers both require similar credentials and work within financial institutions. However, Essential Lending often emphasizes loan processing and approval, while Mortgage Loan Officers focus more on sales and client acquisition. Both roles are integral to the mortgage industry and serve overlapping functions, but their primary responsibilities differ slightly.

More about Essential Lending jobs

What cities are hiring for Essential Lending jobs?

Cities with the most Essential Lending job openings:

What job categories do people searching Essential Lending jobs look for?

The top searched job categories for Essential Lending jobs are:

Essential Lending jobs near you
Infographic showing various Essential Lending job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 76% Full Time, 21% Part Time, 1% Contract, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $42,087 per year, or $20.2 per hour.

Construction Lending Manager

CalPrivate Bank

San Diego, CA • On-site

$140K - $176K/yr

Full-time

Posted 9 days ago

Job description

The Role: SVP/ Construction Lending Manager 

The Location: SB, LA, OC, SD, California 

Make a Difference Where It Matters Most 

At CalPrivate Bank, we believe banking is personal. We have deep roots in the communities we serve, and our client relationships are built on genuine care, thoughtful problem-solving, and unwavering integrity. Our solutions-based service, paired with best-in-class talent, sets us apart in the market, but it’s trust that defines who we are. It's our gold standard, the currency we trade in, and the foundation of every decision we make.

 

We’re looking for leaders who want more than a title. We’re looking for team players who want to make an impact. If you're driven to lead with purpose, ready to shape the future and have meaningful impact at a relationship-centered bank, CalPrivate Bank may be the place for you. 

Your Opportunity: Construction Lending Manager

The Construction Lending Manager plays a critical role in supporting the Bank’s commercial lending strategy by overseeing the underwriting, approval, and ongoing administration of construction loan relationships. This position is responsible for evaluating construction lending opportunities to ensure they align with the Bank’s credit philosophy, risk appetite, and safe and sound lending practices while delivering a high level of service to clients and internal partners.

Serving as a subject matter expert throughout the construction lending lifecycle, the Construction Lending Manager partners closely with Relationship Managers, borrowers, developers, contractors, and third-party professionals to assess project feasibility, analyze construction budgets, evaluate project risks, and monitor construction progress from initial underwriting through final completion. The role ensures construction projects remain on schedule, within budget, and in compliance with approved loan terms while maintaining strong credit quality across the Bank’s construction loan portfolio.

This position also monitors assigned construction loans for payment performance, renewals, annual reviews, criticized assets, covenant compliance, and portfolio risk trends. Collaboration with loan origination, credit administration, fund control, appraisal professionals, and executive leadership is essential to maintaining efficient workflows, exceptional client service, and prudent portfolio management. The Construction Lending Manager also assists the Chief Credit Officer and senior management with reporting, portfolio analysis, and other strategic initiatives as assigned.

 

What You’ll Do 

Construction Loan Origination & Underwriting

  • Partner with Relationship Managers, borrowers, developers, and builders to evaluate construction lending opportunities and determine overall project feasibility.
  • Assess whether proposed construction financing aligns with the Bank’s lending strategy, credit standards, and risk tolerance.
  • Evaluate construction project scope, including:
    • Ground-up construction
    • Tenant Improvements (TI)
    • Renovations and rehabilitation projects
    • Land development
    • Mixed-use and other commercial construction projects
  • Analyze borrower experience, project viability, repayment sources, and overall project risk.
  • Prepare comprehensive credit analyses and Credit Approval Memorandums (CAMs) for loan approval.


Construction Budget & Cost Analysis

  • Receive, review, and approve detailed construction cost breakdowns.
  • Maintain responsibility for the integrity of the construction budget from initial review through project completion.
  • Ensure final construction budgets reconcile with executed General Contractor contracts prior to loan documentation and fund control setup.
  • Review:
    • Construction budgets
    • Cost breakdowns
    • Soft costs
    • Hard costs
    • Financing costs
    • Contingency reserves
  • Order and review independent construction cost analyses when appropriate.
  • Resolve budget variances and recommend modifications as needed.

 

Project Due Diligence

  • Review and evaluate:
    • Architectural plans and specifications
    • Soil and geotechnical reports
    • Engineering reports
    • Environmental reports
    • Title reports
    • Surveys
    • Appraisals
  • Determine when Conditional Use Permits (CUPs), zoning approvals, or other governmental approvals are required.
  • Verify that all project documentation is complete before loan closing.

Contractor & Borrower Evaluation

  • Provide legal oversight and counsel regarding SEC reporting obligations and public company Review and approve construction contracts and architect agreements.
  • Assess contractor qualifications including:
    • Licensing
    • Relevant project experience
    • Financial strength
    • Reputation
    • Trade references
    • Insurance requirements
  • Perform background reviews on borrowers, guarantors, and contractors as appropriate.
  • For SBA construction loans:
    • Collect contractor financial statements
    • Review trade references
    • Complete financial analysis
    • Ensure SBA compliance requirements are satisfied.
    • Verify borrower equity contributions and project sources of funds.


Construction Administration & Portfolio Management

  • Monitor construction loans throughout the life of the project.
  • Coordinate with Fund Control to ensure timely and accurate project funding.
  • Review draw requests and supporting documentation.
  • Obtain and review:
  • Invoices
  • Lien releases
  • Change orders
  • Inspection reports
  • Ensure reimbursement requests comply with approved project budgets.
  • Perform periodic site inspections to verify construction progress.
  • Monitor project timelines, budgets, completion status, and construction milestones.
  • Identify project risks early and recommend corrective action when necessary.


Portfolio Monitoring

  • Monitor assigned construction loan portfolio for:
    • Payment performance
    • Maturity dates
    • Renewals
    • Annual reviews
    • Covenant compliance
    • Criticized and classified loans
  • Prepare loan modifications and renewal recommendations.
  • Maintain ongoing communication with borrowers regarding project performance and financial condition.
  • Ensure all loan files remain complete, current, and compliant with Bank policy and regulatory requirements.

 

Collaboration & Leadership