Please reference the schedule and minimum qualifications listed below before applying.

If you need assistance with filling out our application form or during any phase of the application interview or employment process please notify our Human Resources Team at option 1 or email and every reasonable effort will be made to accommodate your needs in a timely manner.

Job Summary

Job Description

LOCATION

Mountain America Center - In Office:

9800 S Monroe St
Sandy UT 84070

SCHEDULE

Full Time

To be effective an individual must be able to perform each essential duty successfully.

• Manages and oversees the administration of all construction loan files which includes reviewing and analyzing the cost to build debt ratios cash to close etc. funding the loan monitoring the disbursement of construction funds reviewing inspections project reviews contractor reviews and whatever else is necessary to ensure the safety and soundness of the construction division and Mountain America Credit Union.
• Ensure compliance with internal credit policy and procedure NCUA guidelines SBA SOP (for SBA construction loans) etc.
• Maintain accurate project tracking; budgets contingency usage loan balances and inspection results.
• Coaches mentors and evaluates the construction loan team; ensuresthe team has sufficient knowledge and is cross-trained sufficiently to handle all duties in the absence of the construction manager.
• Work in tandem with CRE and SBA loan officers to ensure a positive experience for those members interested and applying for commercial construction loans.
• Offers the member outstanding service ease of access and competitive products.
• Ensures procedures manual is kept updated as procedures change.
• Assists in training SBA and CRE Loan Officers Construction Coordinators administrators and underwriters with gathering required documentation and reviewing construction loan files.
• Assists in developing and implementing marketing strategies to achieve individual loan officer goals and department loan growth goals and objectives.
• Maintain proactive communication with borrowers contractors inspectors and internal stakeholders.
• Consolidates and presents construction loans in loan committee for approval. Ensures all pertinent information is presented to the loan committee so an informed decision can be made.
• Inform management including the MACU Loan Committee of issues that arise during the construction process that could negatively impact our ability to obtain long term financing.
• Understands and resolves 1099 and 1098 reporting issues in a timely manner.
• Coordinates with attorneys title companies appraisers inspectors and members as necessary to ensure a smooth construction process.
• Performs other duties as assigned

KNOWLEDGE SKILLS and ABILITIES

The requirements listed are representative of the knowledge skills and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Experience

Eight years of increasingly responsible experience in loan processing banking or construction finance with a proven ability to manage loan portfolios coordinate with stakeholders and resolve complex financial issues in construction and real estate lending.

Education

Bachelors degree from a four-year college or university in Business Administration Finance Accounting Real Estate or a closely related field is required. Equivalent education and experience may be considered in place of a degree such as an associate degree combined with additional years of relevant professional experience in loan processing banking or construction finance.

Licenses Certificates Registrations

n/a

Managerial Responsibility

Has managerial responsibility for a group of employees with diversified functions.

Language Skills

• Must have the ability to read and interpret financial documents such as loan agreements financial statements regulatory guidelines and operational procedures.
• Ability to prepare routine reports and professional correspondence related to loan processing financial analysis and departmental operations.
• Ability to communicate clearly and effectively with groups of employees members clients and stakeholders regarding financial matters loan products and department initiatives.

Computer/Office Equipment Skills

• Advanced proficiency in Microsoft Office Suite Outlook and other job-specific software applications.
• Skilled in utilizing analytical and reporting tools loan origination systems and automation platforms to streamline operations and enhance productivity.
• Demonstrated ability to leverage technology and artificial intelligence (AI) solutions for data analysis process automation and decision support in financial services.
• Adept at adopting new digital tools and integrating emerging technologies to improve workflow efficiency accuracy and customer experience.

Other Skills and Abilities

• Maintain in-depth understanding and knowledge of financial statement principles and analysis (income statements balance sheets and cash flow analysis).
• Excellent inter-personal skills including the ability to lead and collaborate with ad-hoc teams.
• Ability to work both autonomously and collaboratively in a fast-paced environment.
• Self-starter with strong organization and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines.
• Demonstrated knowledge of review and negotiation of contracts and agreements with complex terms and conditions.
• Knowledge of rules requirements and regulations from governing bodies (NCUA CFPB OCC et al) with respect to commercial and business lending.
• Ability to adeptly gauge the merits of a commercial construction loan request the ideal structure of the request and whether there are enough strengths to mitigate expected weaknesses to a degree satisfactory to MACU.
• Demonstrated ability to leverage knowledge of business lending industry trends to influence strategy.
• Excellent public speaking written/verbal communication skills.
• Adaptive to change responds positively to altered circumstances or conditions.
• Possess a desire and willingness to learn and continually update knowledge base on financial concepts strategies systems etc.
• Demonstrated judgment skills to make quick decisions within or outside written policy and procedures.
• Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies.
• Unquestioned personal and professional integrity.

PHYSICAL REQUIREMENTS/ WORKING CONDITIONS

Physical Demands

Ability to talk hear sit use hands to handle or feel and reach with hands and arms consistently. Ability to stand walk kneel and crouch occasionally

Vision Requirements

Close vision (clear vision at 20 inches or less) Distance Vision (clear vision at 20 feet or more)

Weight Lifted or Force Exerted

Ability to lift up to 10 pounds consistently and up to 50 pounds occasionally

Environmental

There are no unusual environmental factors

Noise Environment

Moderate noise (business office with computers and printers light traffic)

***This Job is not eligible to be performed in Colorado or Connecticut either remotely or in-person.***

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Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.