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.

We are an Equal Opportunity Employer. We do not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.