SBA Construction Loan Specialist

About Lincoln Capital Lincoln Capital is a private bridge lender focused on providing commercial real estate loans to small and mid-sized businesses across the United States. With a deep expertise in SBA lending and construction-to-permanent financing, Lincoln Capital partners with borrowers, developers, and financial institutions to support projects from initial development through completion. Lincoln Capital is known for its hands-on approach to construction lending, combining disciplined risk management with practical, real-world project insight. By working closely with borrowers, and their general contractors. Lincoln Capital provides project guidance to help construction complete efficiently, remain in SBA compliance, and with a strong focus on construction success. Lincoln Capital fosters a collaborative, engaging environment where team members are empowered to take ownership of their work, contribute to decision-making, and directly impact project outcomes. The company values professionalism, accountability, and clear communication, while offering exposure to a diverse portfolio of construction projects nationwide. Responsibilities

• Oversee the construction progress and performance of a portfolio of SBA construction loans across multiple projects and geographic markets.
• Serve as the primary point of authority for construction loan draw reviews and approvals, ensuring all disbursements comply with internal policies and SBA requirements.
• Review and process funding requests, including lien waivers, contractor invoices, pay applications, and inspection reports.
• Lead weekly status calls with borrowers, general contractors, and lending partners to assess project progress, address risks, and coordinate funding needs.
• Review pre-construction documentation to ensure alignment with internal credit standards and SBA guidelines prior to closing.
• Coordinate with third-party funds control agents, co-lenders, title companies, and SBA representatives to facilitate timely and compliant disbursements.
• Identify construction, budget, or timeline risks early and take proactive steps to mitigate impact on project completion and loan performance.
• Monitor loan covenants, construction budgets, and project timelines to identify variances or potential issues.
• Track borrower compliance requirements, including insurance, permits, licenses, and other regulatory ocumentation.
• Maintain complete, accurate, and audit-ready loan files, including pre-closing and draw documentation.
• Ensure timely follow-up on outstanding conditions, disbursements, and documentation requirements.
• Communicate regularly with internal teams (e.g., production, accounting, capital partners) to resolve issues and support strong client relationships.
• Provide consistent updates to internal stakeholders on project status, funding activity, and key milestones (e.g., payoff, maturity).
• Travel 10–20% for site visits, stakeholder meetings, and project assessments as needed.

• Bachelor’s or associate degree in finance, Accounting, Construction Management, or a related field (or equivalent professional experience)
• Strong understanding of construction draw processes, budgeting, and supporting documentation
• Proficiency in Microsoft Excel; experience with loan servicing or document management systems preferred
• Ability to communicate complex construction and lending concepts clearly to both technical and non-technical stakeholders, including senior leadership
• Strong organizational and time management skills, with the ability to manage multiple projects in a deadline-driven environment
• Detail-oriented with a proactive approach to problem-solving and risk identification
• Collaborative, team-oriented mindset with flexibility to adapt in an engaging environment