Mortgage Loan Officer (Construction Lending)

Description

Credit Union of Georgia is continuing to grow, and we are looking for a talented Mortgage Loan Officer (with a focus on Construction Loans) 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 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.

Responsibilities: 

Business Development & Member Relations

• 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 journEASE 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.

Loan Origination & Underwriting

• 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.

Construction Management & Draw Administration

• 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 escalate funding disputes, construction delays, or budget variances that could impact collateral integrity or CUofGA’s lien position, and coordinate with management on appropriate resolution.

Requirements

Experience

• Minimum 3–5 years of mortgage, construction, or commercial lending experience, with demonstrated production results.
• Direct experience originating and administering residential construction loans, including builder/spec lending and construction-to-permanent products, strongly preferred.
• Established builder or realtor referral network in the greater Atlanta market is a significant advantage.

Education & Licensing

• College degree preferred; two-year degree or equivalent business/trade school coursework required.
• Active NMLS registration required and must be maintained throughout employment.
• Annual compliance training required (cybersecurity, Bank Secrecy Act, and other regulatory modules).

Skills & Competencies

• Strong business development and relationship management skills with a proven ability to generate and close new loan volume.
• Solid understanding of residential construction processes, contractor roles, builder business models, and project budget management.
• Ability to read and interpret construction plans, budgets, draw schedules, lien waivers, and title documentation.
• Excellent verbal and written communication skills; able to translate complex loan terms and disbursement procedures into clear guidance for members and builders.
• Highly organized, detail-oriented, and deadline-focused; capable of managing multiple active construction projects simultaneously.
• Proficient in Microsoft Office (Word, Excel, Outlook); experience with mortgage loan origination software preferred.
• Self-motivated and comfortable working independently in a field-facing sales capacity with minimal day-to-day supervision.

Why Credit Union of Georgia?

At Credit Union of Georgia, you’ll be part of a community-focused organization that values integrity, collaboration, and service excellence. We offer competitive compensation, professional growth opportunities, and a culture that truly cares about people: our members, our employees, and our community.

Credit Union of Georgia is an equal opportunity employer.

No phone calls or emails related to application follow- up please.