Construction & Development Loan Specialist

ROLE
The Construction & Development Loan Specialist is responsible for planning, coordinating, and administering construction and development loans. This position is also responsible for monitoring project progress, ensuring compliance with loan terms, and maintaining accurate records. This position requires close collaboration with borrowers, builders, inspectors, title companies, and internal departments.

ESSENTIAL FUNCTIONS
This position is responsible for the following functions:

Responsibilities
•Support construction and development projects across the bank’s portfolio for all markets
•Coordinate project timelines, contractor communications, and internal stakeholder updates to ensure efficient and timely execution
•Review and prepare documentation, including notes, contracts, mortgages, title work, plat maps, construction draws, change orders, vendor invoices, payoffs, mortgage releases, etc
•Maintain up-to-date records of project budgets, cost tracking, and progress reporting
•Collaborate with Loan Officers, Loan Support Specialists, and Loan Operations staff
•Schedule inspections and final appraisals
•Assist with vendor selection and management, ensure compliance with bank policies, insurance requirements, and performance standards
•Support routine maintenance and project tracking tasks

Customer Service
•Demonstrate a commitment to PBT’s customer service philosophy
•Provide courteous service to loan and deposit customers in person, over the phone, and through email communication

Various other duties as assigned

QUALIFICATIONS
EDUCATION/CERTIFICATION: High School Diploma or equivalent required
REQUIRED KNOWLEDGE: Full knowledge of loan services offered by Peoples Bank and Trust, understanding of all PBT policies and procedures related to loan services provided; working knowledge of Microsoft Office Suite and core banking systems; knowledge of construction terms, contractor coordination, and processes
EXPERIENCE REQUIRED: Banking experience in construction administration, loan operations, etc
SKILLS/ABILITIES: Attention to detail, strong written and verbal communication skills, self-motivation, self-management, ability to consistently follow through on tasks, problem-solving, organized, analytical, interpersonal, customer relationship building, time management, computer literacy, and a strong ability to multi-task

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
TALKING: Ability to speak effectively and communicate clearly
AVERAGE HEARING: Ability to hear average conversations at a standard level in an office environment around other customers and bank personnel
REPETITIVE MOTION: The employee is regularly required to type throughout the day
FINGER DEXTERITY: The employee is regularly required to use their hands to type and maneuver a mouse
AVERAGE VISION: Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception, and the ability to adjust focus with 20/20 vision (with or without the assistance of eyeglasses/contacts)
PHYSICAL STRENGTH: The employee must occasionally lift and/or move up to 20 pounds (unassisted) as well as stand, sit, bend, kneel, squat, and walk for long periods of time

WORKING CONDITIONS
General professional office environment with climate control. Adequate lighting. Regular travel to branches and project sites, as required. Occasional additional hours outside of regular bank service hours to complete tasks.

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
REASONING ABILITY: Ability to deal with a variety of variables under only limited standardization.
MATHEMATICS ABILITY: Strong numeric capabilities; Ability to add, subtract, multiply, and divide in all units of measure using whole numbers and common fractions.
LANGUAGE ABILITY: Ability to read, analyze, and interpret documents. Ability to communicate clearly.

INTENT AND FUNCTION OF JOB DESCRIPTIONS
Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well-constructed job descriptions are an integral part of any effective compensation system.

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.