Essential Duties and Responsibilities Construction Loan Application and Underwriting:

Take construction loan applications and applications for loans subject to completion of a build/remodel Underwrite construction loan documents and documents for loans subject to completion of a build/remodel for completeness and accuracy, including but not limited to construction loan agreements and draw schedules.

Communicate construction loan information to borrower and contractor as necessary to help ensure understanding of the process.

Construction Loan Administration:

Maintain construction loan files from closing through completion.

Review loan, draw request, inspection, lien waiver, invoice, budget, and related documentation before disbursement.
Coordinate inspections, when applicable.
Monitor project progress, loan balances, timelines, and documentation requirements.
Maintain accurate records in the bank's systems and follow bank policies and regulatory requirements. Customer & Relationship Management Serve as the main contact for borrowers during the construction loan process.
Communicate with borrowers, contractors, builders, inspectors, appraisers, title companies, surveyors, insurance representatives, municipal officials, vendors, and internal bank staff, when applicable.
Provide updates on project status, funding timelines, and documentation needs.
Respond to customer questions and resolve concerns professionally.

Relationship Expectations:

This role requires strong communication, professionalism, responsiveness, and the ability to build trust with customers, contractors, builders, and internal bank staff. Qualifications Experience in banking, mortgage servicing, construction lending, loan operations, or a related field preferred.

Knowledge of construction lending, draw schedules, inspections, lien waivers, title requirements, and loan documentation preferred.
Strong organization, attention to detail, problem-solving, communication, and customer service skills.
Ability to manage multiple projects and deadlines.
Proficiency with Microsoft Office and banking software systems. Competencies Customer service and relationship management
Organization, time management, and attention to detail
Communication and collaboration
Critical thinking, judgment, and problem-solving
Accountability, adaptability, confidentiality, and integrity Meet the BSA/AML and OFAC requirements as outlined in the following: Bank Secrecy Act (BSA) Policy/Procedures Customer Identification Program (CIP) Foreign Asset Control Policy/Procedures (OFAC) Financial Privacy Work Environment This position is primarily office-based, with local travel as needed to construction sites, customers, builders, contractors, and other business partners.

Scheduling flexibility will be required to meet customer, inspection, project, or business needs. Additional Expectations Represent the bank professionally and support positive community and business relationships.

Stay informed of construction lending regulations, procedures, and best practices.
Support teamwork, customer service, and other duties as assigned.

Education:

High school diploma

Physical Requirements:

The physical requirements are those that must be met by an employee to successfully perform the essential functions of this job. In addition to the typical requirements of standing, walking/moving, sitting, bending, talking, hearing, and seeing, the employee must lift, stretch, and twist. Hancock County Savings Bank promotes an equal employment opportunity workplace which includes reasonable accommodations of otherwise qualified disabled applicants and employees. Join us to be part of a dedicated team that values precision, compliance, and exceptional service delivery in the evolving landscape of construction financing!

Pay:

$25.00 - $28.21 per hour

Benefits:

401(k) 401(k) matching Dental insurance Employee assistance program Employee discount Health insurance Health savings account Life insurance Paid time off Professional development assistance Tuition reimbursement Vision insurance

Education:

Associate (Preferred)

Experience:

Lending:

1 year (Preferred)

Construction Loan:

1 year (Preferred)

Customer Service:

1 year (Preferred) Willingness to travel: 25% (Preferred)

Work Location:

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