Senior Construction Loan Administrator

Job Summary The Senior Construction Loan Administrator serves as the subject matter expert for the administration of commercial and residential construction loans. The role evaluates documentation, recommends policy deviations, and exercises independent judgment in assessing project and financial risk throughout the construction lifecycle. The administrator advises Relationship Managers, Credit, and Loan Operations on structuring, funding, and risk mitigation strategies to ensure project success and loan compliance. He or she works autonomously across a diverse portfolio of complex projects and acts as the primary decision‑maker for construction‑related documentation, funding decisions, and monitoring plans. Essential Duties & Responsibilities Independently review construction documentation across multiple states to determine acceptability and assess legal, financial, and operational sufficiency. Formulate and recommend project‑specific deviations from loan policy or standard procedures, escalating only when required by credit thresholds or regulatory exceptions. Serve as the primary reviewer of construction due diligence prior to closing, with authority to require amendments to credit approval packages when deficiencies are identified. Determine appropriate draw structures, release of contingency funds, and client out‑of‑pocket obligations, balancing project needs with loan constraints. Evaluate cost overruns, budget realignments, and non‑standard funding requests, making decisions that materially impact the financial success and risk posture of the loan. Guide project stakeholders (Relationship Manager, Project Manager, Credit and Capital Administration, client, and general contractors) through documentation expectations and disbursement processes. Train internal stakeholders on construction funding procedures, document requirements, and state‑specific lien law implications. Oversee risk assessment during the construction phase, identifying early warning signs of project failure and developing response strategies to mitigate exposure. Lead or advise on departmental procedural enhancements based on trends in builder risk, supply chain impacts, and regional construction market shifts. Act as the construction monitoring lead on assigned projects, coordinating with inspectors, attorneys, and third parties to ensure accurate execution and adherence to loan terms. Minimum Education, Experience & Knowledge High school diploma or equivalent required; additional coursework in construction management, real estate, or finance preferred. Seven (7) years of experience in commercial and/or residential construction lending or loan administration. Deep familiarity with construction documentation, project budgeting, and State Lien Law requirements across multiple jurisdictions. Ability to evaluate complex or incomplete third‑party documentation and determine acceptability. Strong understanding of credit structuring, draw management, and project financial risk. Skilled in professional communication with clients, general contractors, and legal counsel. Experience advising or training internal stakeholders on construction loan practices. Minimum Mental & Physical Requirements Ability to work under stress and meet deadlines. Ability to lift, move, or carry approximately 20 pounds if required to perform the essential job functions. Equal Opportunity / Affidavit Statement All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state, and local laws. #J-18808-Ljbffr Hancock Whitney Corp.