Residential Construction Loan Portfolio Manager

Job Category: Professional

Requisition Number: RESID
006269

• Posted :
  January 31, 2026
• Full-Time

Showing 1 location

Spokane, WA 99201, USA

This internal resource is responsible for managing, providing underwriting recommendations, and monitoring an assigned Residential Construction Loan portfolio. The Residential Construction Loan Portfolio Manager will ensure that the portfolio is managed within established bank policies and risk management parameters.

Essential Functions:

• Attends meetings with customers, builders, and loan originators; assesses proposed construction project, explains draw and monitoring procedures and sets expectations early in the process.
• May provide advice and counsel to clients regarding trends and conditions of the business environment and general banking trends.
• Manages and monitors residential construction loan portfolio and relationships by analyzing financial data, construction contracts, budgets, and appraisals to determine the merits of specific loan requests and prepare underwriting recommendations for review by Credit Risk Manager.
• Analyzes existing loan portfolio by reviewing the portfolio reports to measure progress, percent of completion vs amount of loan proceeds disbursed and ensures budgets are balanced.
• Uses loan tracking software to monitor client loans such as maturity, repayment schedule, amount and timing of payments received, delinquencies, and outstanding balances.
• Ensures the portfolio administration and risk management of each relationship follows established credit policy, procedure, business strategy, and regulatory guidelines.
• Identifies at risk loans associated with delinquency, arrears, default, cost overruns or potential liens. Takes necessary action to collect past due accounts and resolve cost overruns or liens of all other accounts in conjunction with HLD team leadership.
• Orders supporting loan documentation such as inspection reports, insurance verifications, third party budget reviews, and date downs.
• Coordinates with HLD closers on the closing of residential construction loans.
• Maintains draw files on all residential construction loan customers doing business with the bank, together with prospect files on potential customers.
• Maintains thorough and accurate records with regard to disbursements, regardless of type.
• Ensures draws are dispersed in accordance with bank policy and procedures.
• Responsible for providing line-item breakdowns on all construction projects and working with developer/builder and third-party inspector to ensure draws are properly reviewed prior to disbursement.
• Makes frequent contact with customers and builders to provide assistance, answer pertinent questions, and direct them to other service providers within the bank.
• Works closely with Relationship Manager(s), loan originators and other personnel, documenting and communicating findings.
• Identifies personal training needs and opportunities and addresses gaps and needs.
• Maintains proficiency regarding current Bank systems and software applications.
• May review plans, specifications, contracts and budgets submitted by builders/borrowers. Ensures they are complete and accurate.
• Reviews builder packages and gives recommendation for decision based on bank requirements.
• Acts as advisor and liaison for all HLD employees, researching and troubleshooting complex issues.
• Participates in special projects or duties as assigned.
• Performs compliance and risk management duties as required or assigned.
• Regular, reliable attendance is required.

Qualifications:

• Bachelor’s degree in Business, Finance or related field or equivalent experience required.
• 5+ years of experience in residential construction loan monitoring and portfolio management.
• Strong ability to identify material issues and facts and make independent and timely decisions.
• Able to work at a high level of productivity and make timely decisions.
• Excellent written and verbal communication skills; ability to analyze, synthesize and articulate complex ideas and communicate such to colleagues.
• Excellent interpersonal skills; ability to collaborate with and work effectively with diverse groups of people, managing conflict, negotiating for…