Loading...

Residential Construction Lending - From Land Purchase to Completed Project

Residential Construction Lending is a highly specialized form of lending requiring different approaches than those utilized in non-construction transactions. Regulators view construction lending as the riskiest form of lending because of the elevated level of risks assumed. These risks include: Market Risk, Technical Risk and the always present Credit Risk. Therefore, understanding the risks in this type of lending is paramount for bankers
Upcoming
DATE

Monday, August 24, 2026
2:30 pm - 4:30 pm

INSTRUCTOR

Jeffery Johnson

FORMAT

Webinar

$299.00 or 1 Token

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Commercial/Business Lending
  • Compliance
  • Lending
  • Lending Compliance
  • Mortgage Lending
  • Risk Management/Legal
  • Board Member
  • Branch Manager
  • Commercial Lender
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Internal Auditor
  • Loan Closer
  • Mortgage Lender
  • Private Banker
  • Risk Manager
  • Senior Management
  • Small Business Lender
  • Training Manager
  • Trainer
  • Workout Specialist/Collector

Save on annual training costs with our Webinar Subscription Service and share webinars across your entire organization.

Become a subscriber

Learn about upcoming events, webinars and discounts.

Sign Up For Email Notifications

Residential Construction Lending is a form of Asset-Based Lending whereby funds are advanced based upon the successful completion of various phases of the real estate project and other requirements being met. Many problems can occur during construction that can leave lenders highly exposed unless they are unwritten and managed properly.

The common borrowers of Residential Construction Loans are: Individuals constructing their single family residences (Owner/Occupant); Developers who transform raw land into improved property suitable for constructing homes and Builders of 1-4 family residences. We will examine the characteristics and risks inherent with these borrowers; how to underwrite them and the real estate project under construction. This course is designed to provide fundamental and proven techniques to minimize these risks.

Specifically, the course will cover the following topics:

  • Prerequisites for Successful Construction Lending
  • Analyzing and Underwriting the Owner/Occupant
  • Analyzing and Underwriting the Builder/DeveloperOverview of the Actual
  • Development and Building of a Residential Unit
  • Structuring the Construction Loan
  • Managing Construction Loan Advances
  • Construction Lending Documentation
  • Problem Areas in Construction Lending

What You'll Learn

Specifically, the course will cover the following topics:

  • Prerequisites for Successful Construction Lending
  • Analyzing and Underwriting the Owner/Occupant
  • Analyzing and Underwriting the Builder/Developer
  • Overview of the Actual Development and Building of a Residential Unit
  • Structuring the Construction Loan
  • Managing Construction Loan Advances
  • Construction Lending Documentation
  • Problem Areas in Construction Lending

Who Should Attend

Commercial Lenders, Consumer Lenders, Credit Analyst, Senior Loan Officers, Senior Credit Officer, Loan Review Personnel, Internal Auditor, Branch Managers and Real Estate Lenders.
Jeffery Johnson

Instructor Bio

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.

Most of his career has been spent in Credit Administration, Lending, Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations.

Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled "Lending to Service and Other Professional Organizations" for RMA in 2001.

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.

Print this page