The Residential Construction Underwriter is responsible for underwriting both residential horizontal land development and vertical construction loans within the Residential Construction Lending Group. This includes consumer (TRID) and commercial (builder/developer) residential construction and development projects. The role involves beginning-to-end preparation of loan presentations in collaboration with Loan Officers and Credit Administrators, including client communication, financial and collateral analysis, and credit presentation development. Key Responsibilities Underwrite and prepare credit presentations for new and renewed residential construction and development loans. Collaborate with Loan Officers and management to obtain updated financial information from borrowers and guarantors. Support the completion and submission of Annual Reviews. Maintain strict confidentiality of all borrower and project information. Represent the bank professionally to clients, prospects, vendors, and colleagues. Work collaboratively with Loan Officers to manage workflow and meet departmental goals. Ensure compliance with all bank policies, procedures, and regulatory requirements. Maintain consistent attendance and punctuality. Proactively manage tasks and communicate project status, missing items, or obstacles. Perform additional duties as assigned. Qualifications Minimum of 3+ years of experience in residential construction/development underwriting. In-depth understanding of construction financing, including cost breakdowns, municipal bonding, and project timelines. Strong technical knowledge of financial statements, cash flow analysis, and loan structuring. Proficiency in analyzing business and personal tax returns and financial statements. Familiarity with loan covenants and commercial loan structures. Experience with financial spreading and underwriting tools (e.g., Moody's, Sageworks, Encino). Proficient in Microsoft Office Suite. Knowledge of TRID compliance and residential lending regulations. Detail-oriented with strong analytical and organizational skills. Effective multitasking in a fast-paced environment. Excellent verbal and written communication skills. Ability to work independently and collaboratively within a team.

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