Construction Loan Officer

Description

Credit Union of Georgia is continuing to grow, and we are looking for a talented Construction Loan Officer to join our team. At Credit Union of Georgia, every role contributes to helping our members achieve their financial goals. Join a team that puts members at the center of everything we do!

The Construction Loan Officer is responsible for driving loan production through relationship-based sales and business development. This role actively cultivates partnerships with builders, contractors, realtors, and community partners to generate new opportunities, while originating residential construction loans for both builders (spec and pre-sold homes) and individual borrowers.

This position serves as the credit union’s primary point of contact throughout the construction process, ensuring loans are properly structured, underwritten, funded, and administered through certificate of occupancy. The Construction Loan Officer manages the full lifecycle of each project, including draw schedules, budget tracking, and collateral protection, all within established policies and guidelines.

• Proactively develop and maintain a referral network of home builders, general contractors, realtors, title companies, and real estate attorneys to generate a consistent pipeline of construction loan opportunities.
• Originate construction loans to both builders (spec and pre-sold projects) and end-user borrowers (construction-to-permanent and stand-alone construction), structuring each transaction appropriately for the borrower type.
• Represent Credit Union of Georgia at community events, builder associations, home shows, and Chamber functions to build brand awareness and generate new member relationships.
• Conduct consultative sales conversations with prospective borrowers and builders to understand project goals, assess financing needs, and present appropriate CUofGA construction loan products.
• Uphold the CUofGA member journ
  
  EASE experience standards — Engage, Ask, Solve, and Excite — delivering exceptional service at every touchpoint.
• Identify cross-sell opportunities for other CUofGA products and services throughout the relationship lifecycle.

• Receive, review, and process construction loan applications for both builder and end-user borrowers; gather and analyze financial documentation, credit reports, project budgets, plans, and contractor credentials.
• Evaluate creditworthiness and collateral adequacy; submit qualified applications with complete packages for underwriting review and present recommendations to Loan Committee as appropriate.
• Coordinate with members, underwriters, title companies, and builders on behalf of CUofGA to ensure all loan conditions and documentation requirements are satisfied prior to and after approval.
• Maintain current NMLS registration throughout employment and comply with all applicable regulations including the SAFE Act, Bank Secrecy Act, and NCUA requirements.

• Establish and manage appropriate reporting for all construction projects; track available funds relative to percentage of completion and process draw requests in accordance with disbursement schedules.
• Review draw documentation including Contractor Verified Statements, Owner’s Sworn Statements, lien waivers, and inspection reports to verify work completion before authorizing fund releases.
• Determine when to order partial and final inspections; monitor construction progress against the approved budget and timeline, and request plat surveys upon foundation completion.
• Communicate regularly with borrowers and builders throughout the construction period to ensure timely, accurate disbursements and keep all parties aligned on project status.
• Proactively identify and elevate funding disputes, construction delays, or budget variances that could impact collateral integrity or CUofGA’s lien position, and coordinate with management on appropriate resolution.

• Minimum 3–5 years of mortgage, construction, or commercial lending experience, with demonstrated production results.
• Direct experience…