The Construction Manager/Credit Risk Management plays a pivotal role in proactively monitoring and administering all aspects of the Bank's Construction Loan Portfolio. This multifaceted position encompasses responsibilities related to construction policy management, risk assessment, and strategic decision-making. This position is expected to contribute significantly to the Bank's overall risk management framework. Responsibilities: Portfolio Oversight: Monitor the Bank's Construction Loan Portfolio, ensuring compliance with established guidelines. Administer loan accounts, track disbursements, and assess project progress. Identify potential risks and propose mitigation strategies. Construction Policy Management: Manage the Bank's construction policy, keeping it up-to-date and relevant. Recommend policy changes based on industry trends, regulatory updates, and risk assessments. Risk Management: Appraisal and Environmental Reports: Order and review appraisal and environmental reports for Residential and Commercial Loan applications. Evaluate property values and determine if there is any environmental impact that would present a risk to the Bank.

Commercial and Residential Policies: Track and maintain various Commercial and Residential Loan and Operational Policies. Advise the Chief Lending Officer (CLO) of pending policy renewals.

Monthly and Quarterly Reporting: Prepare accurate and timely reports related to the Commercial Construction Portfolio for the Board and MLC. Analyze portfolio performance and identify trends in the Construction and Commercial Loan Portfolios.

Troubled Loans: Collaborate with the CLO to address troubled loans. Recommend risk mitigation strategies.

Participation Loans: Work with the Loan Operations Team on new and existing participation loans Communicate with participants or lead banks to ensure our records are in alignment and handle any inquiries from lead or participant banks.

Special Projects: Execute special projects as directed by the CLO. Contribute to process improvements and strategic initiatives. Collaboration and Teamwork: Work seamlessly as part of a team within the Lending, Credit and Operational Functions in the Department. Assist with audits, handle customer inquiries, and support fellow team members.