Union Programmer Jobs in Idaho (NOW HIRING)

How to apply: Complete an Online Application at our website www.capedcu.com for the specific job opportunity that interests you. Resumes are not accepted in lieu of an application.

Role: The Builder Finance & Residential Construction Relationship Manager (BFRCRM) contributes to the obtainment of CapEd’s business objectives and mission by originating, underwriting, and managing construction and builder finance loans for residential projects. This role supports local builders, developers, and members through all phases of the construction lending lifecycle within the credit union’s risk appetite - project evaluation, credit analysis, and disbursements. This position is considered a subject matter expert (SME) of Residential Construction and Builder Financed loans and uses expertise to assist employees with questions, solve escalated member issues within approval and position authority, assist with training for employees, and support projects.

Essential Functions & Responsibilities:

Loan Origination & Member/Builder Relationships

• Develop and maintain strong relationships with local builders, contractors, developers, and real estate professionals.
• Source and structure residential construction, spec, and builder line of credit loans.
• Serve as the primary point of contact for members seeking residential construction or renovation financing.
• Educate members and builders on credit union construction loan products, requirements, and processes.
• Identify opportunities to grow the construction lending portfolio while ensuring alignment with credit union strategy and risk appetite.

• Evaluate borrower eligibility, project feasibility, builder qualifications, cost estimates, and collateral value.
• Perform financial analysis of both consumer and builder financial statements, tax returns, budgets/cost breakdown, and credit reports.
• Structure loans in accordance with policy - including loan-to-cost (LTC), loan to value (LTV), budget validation, and contingency requirements.
• Prepare credit memorandums for approval and ensure adherence to regulatory, policy, and secondary market guidelines (as applicable).

• Coordinate third party services including appraisals, title work, inspections, and environmental reviews as well as loan closings.
• Manage construction draw requests, verifying completed work, budget alignment, and lien protection.
• Monitor project progress, timelines, cost overruns, and borrower, builder communication.
• Identify and mitigate risks throughout the construction cycle, escalating concerns as needed.

• Maintain an accurate pipeline of loan applications, approvals, closing timelines, and disbursements.
• Track loan performance and ensure projects convert properly to permanent mortgage financing.
• Conduct periodic portfolio reviews and monitor adherence to loan covenants, borrower performance, and construction milestones.
• Support efforts to reduce delinquency, mitigate losses, and maintain regulatory compliance.

• Partner with underwriting, processing, and servicing teams to ensure smooth loan flow and exceptional member experience.
• Provide feedback and recommendations to improve construction lending policies, procedures, and products.
• Support training for staff who interact with construction or builder finance workflows.
• Maintains knowledge of all Credit Union products, services, and promotions.
• Contributes to efficient Credit Union operations by performing other job-related duties as assigned.

Knowledge and Skills:

Experience: Five years to eight years of commercial lending experience with multiple years in residential construction or builder finance lending required.

Education: (1) A bachelor's degree (finance, business, or related field preferred), or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g. information technology certifications in lieu of a degree).  

Other Skills: Understanding of construction lending principles, residential building processes, and builder qualification standards. Proven credit analysis and underwriting skills.

Critical Job Competencies:

Brand Promise: To make a difference - every member experience matters. Employees of CapEd carry out our promise and values of EP!C by being Empowered - We are knowledgeable and trusted to make decisions. Professional - We are respectful in creating outstanding experiences. Innovative - We seek new ideas for positive change. Collaborative - We connect with each other to implement solutions.

• Contributing to Team Success: Actively participating as a member of a team to move the team toward the completion of goals.
• Building Loyalty and Trust: Interacting with others in a way that gives them confidence in one’s intentions and those of the organization. Making the needs of others a priority in order to actively build and develop productive internal and external relationships.
• Decision Making: Identifying and understanding key issues and opportunities; using an effective approach for choosing a course of action or developing appropriate solutions based on data and potential outcome analysis, facts, constraints, and organizational values. Committing to a course of action and then taking action.
• Building Strategic Working Relationships and Partnerships: Identifying opportunities and taking action to develop strategic and collaborative relationships with other areas, teams, departments, or organizations to help achieve business goals.

Very Important Job Competencies:

• Delegating Responsibility and Developing Others: Developing individuals while allocating decision-making authority and/or task responsibility to maximize the organization and individuals’ effectiveness.
• Leadership and Coaching for Success: Keeping CapEd’s vision and values at the forefront of decision-making and action. Focusing and guiding others in accomplishing work objectives and problem solving. Using appropriate methods and a flexible interpersonal style to help build a cohesive team, facilitating the completion of team goals.
• Planning and Organizing: Establishing procedures and practices to monitor the results of delegations, assignments, or projects; taking into consideration the skills, knowledge, and experience of the assigned individual and characteristics of the assignment.
• Risk Taking: Initiating action that tries to achieve a recognized benefit or advantage when potential negative consequences are understood.

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee 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 employee is regularly required to sit and/or remain in a stationary position; use hands to finger, handle, operate, input or feel; reach with hands and arms in any direction; talk, communicate, converse, exchange information and hear; balance, kneel, walk and stand, occasionally moving and traversing; and will frequently use a computer and/or phone. There may be repetitive motions, making substantial movements of the wrists, hands, and/or fingers. The employee needs the ability to wear personal protective gear correctly. This is considered sedentary work: exerting up to 10 to 25 pounds of force occasionally and/or a negligible amount of force frequently or consistently to lift, carry, push, pull or otherwise move objects, including the human body. Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.

Work Environment: 
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The worker is subject to inside environmental conditions: protection from weather conditions but not necessarily from temperature changes and/or seasonal brightness through windows. This position may involve periodic stressful conditions. The Credit Union's business days are Monday through Saturday between the hours of 8:00 a.m. to 6:30 p.m.; however, this position may occasionally require an adjusted work schedule, overtime, and to include evening/weekend hours. The noise level in the work environment is usually moderate.

Disclaimer:

NOTICE: This job description does not create a contract of employment and at all times your employment, if any, remains at will. This job description also in no way limits the duties to be performed by the employee, which may be assigned or modified from time to time by CapEd Credit Union. Please know that CapEd Credit Union is an Equal Employment Opportunity Employer and all decisions regarding employment including hiring and promotion are based on the individual meeting the essential functions of the job, with or without reasonable accommodation, and without a direct safety threat or undue hardship.  We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas.