San Francisco, CA
Salary Estimate: $100,000.00 - $124,999.00
Employment Type: Full Time
Work Place: Hybrid
Experience Required: 5+ to 7 years
Education Required: 4 Year College
Benefits
Job Description
POSITION
Full-Time, Salaried, Performance-based bonus
LOCATION: San Francisco, CA
Required 4 days per week in the office (Mon-Thu). Please do not apply if this does not align with you.
- Analyze loan applications for construction and development projects, including financial statements, budgets, pro formas, schedules, and market data.
- Review and assess general contractor qualifications, construction contracts, and project team experience.
- Evaluate third-party reports (appraisals, environmental, feasibility, inspection, and title reports).
- Collaborate with borrowers, originators, inspectors, and internal departments throughout the underwriting process.
- Ensure proposed draw schedules, cost breakdowns, and contingency reserves are appropriate and in line with market standards.
- Identify and mitigate risks related to borrower credit, project execution, permitting, zoning, market conditions, and construction complexity.
- Draft detailed construction memorandums with analysis and recommendations for internal loan committee review.
- Ensure compliance with internal policies, investor guidelines, and regulatory requirements.
- Participate in loan closings, including review of closing conditions and coordination with legal/title.
- Experience with various construction asset types (residential, multifamily, mixed-use, commercial).
- Familiarity with lien laws, mechanics lien processes, and title review.
- Understanding of construction sequencing and permitting processes.
- Ability to present underwriting findings to credit committee with clarity and confidence.
- Demonstrate unwavering responsiveness and dedication to delighting clients at every touchpoint.
- Be proactive, know what you are responsible for, act with integrity and follow through to the end.
- Balance speed with quality, ensuring that every response is both timely and impactful.
- Grow together through a culture of intellectual curiosity, collaboration and celebration.
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