Real Estate Lending Relationship Manager - The Woodlands, TX
Amegy Bank, The Woodlands, Texas, United States
Real Estate Lending Relationship Manager
At Amegy Bank, everyone counts! Your contributions are valued, and everyone is given the opportunity to grow in their career. We’re committed to doing the very best for our customers, our communities, and our employees.
We are looking for an experienced
Real Estate Lending Relationship Manager
to join our
Commercial Real Estate (CRE) team
in The Woodlands, TX.
Key Responsibilities Loan Origination & Business Development
Source and cultivate lending opportunities with affordable housing developers, community development corporations, mission‑driven organizations, and public agencies.
Evaluate project feasibility and borrower creditworthiness through financial modeling, market analysis, and risk assessment.
Structure loan products that may include construction loans, permanent financing, acquisition loans, bridge loans, and tax-credit–enhanced lending.
Develop and maintain a robust pipeline aligned with departmental growth goals.
Underwriting & Execution
Lead full underwriting process, including financial spreads, cash-flow projections, collateral analysis, and risk grading.
Analyze layered financing deals involving Low-Income Housing Tax Credits (LIHTC), HOME, CDBG, RAD, Section 8, HOPE VI, and other federal, state, and local programs.
Prepare clear, comprehensive credit memoranda for credit committee review.
Coordinate with internal teams (credit, appraisal, compliance, legal) to ensure accurate, timely loan execution.
Negotiate loan terms, conditions, covenants, and pricing consistent with risk and bank policy.
Portfolio Management
Manage a portfolio of affordable housing loans, monitoring performance, covenant compliance, and collateral conditions.
Conduct periodic property inspections, borrower meetings, and annual reviews.
Identify emerging risks and develop mitigation strategies.
Relationship Management
Build and maintain strong relationships with clients, government agencies, syndicators, housing authorities, and community partners.
Represent the bank at industry events, trainings, and affordable housing conferences.
Serve as a subject‑matter expert within the bank on affordable housing finance and community development lending.
Qualifications Required
Bachelor’s degree in Finance, Real Estate, Business, Public Policy, Urban Planning, or related field; or equivalent experience.
3–7+ years of experience in commercial real estate lending, community development finance or affordable housing finance.
Strong understanding of LIHTC programs and multifamily underwriting.
Demonstrated ability to analyze complex financial statements and pro forma models.
Excellent written and verbal communication skills, including the ability to present transactions to credit committees.
Preferred
Experience working with mission‑driven developers or nonprofit partners.
Knowledge of environmental reviews, appraisal standards, and construction loan administration.
Familiarity with federal and state housing agencies and community development programs.
Existing relationships in the affordable housing ecosystem.
Benefits:
Medical, Dental and Vision Insurance – START DAY ONE!
Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance
Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays
401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
Mental health benefits, including coaching and therapy sessions
Tuition Reimbursement for qualifying employees
Employee Ambassador preferred banking products
#J-18808-Ljbffr
We are looking for an experienced
Real Estate Lending Relationship Manager
to join our
Commercial Real Estate (CRE) team
in The Woodlands, TX.
Key Responsibilities Loan Origination & Business Development
Source and cultivate lending opportunities with affordable housing developers, community development corporations, mission‑driven organizations, and public agencies.
Evaluate project feasibility and borrower creditworthiness through financial modeling, market analysis, and risk assessment.
Structure loan products that may include construction loans, permanent financing, acquisition loans, bridge loans, and tax-credit–enhanced lending.
Develop and maintain a robust pipeline aligned with departmental growth goals.
Underwriting & Execution
Lead full underwriting process, including financial spreads, cash-flow projections, collateral analysis, and risk grading.
Analyze layered financing deals involving Low-Income Housing Tax Credits (LIHTC), HOME, CDBG, RAD, Section 8, HOPE VI, and other federal, state, and local programs.
Prepare clear, comprehensive credit memoranda for credit committee review.
Coordinate with internal teams (credit, appraisal, compliance, legal) to ensure accurate, timely loan execution.
Negotiate loan terms, conditions, covenants, and pricing consistent with risk and bank policy.
Portfolio Management
Manage a portfolio of affordable housing loans, monitoring performance, covenant compliance, and collateral conditions.
Conduct periodic property inspections, borrower meetings, and annual reviews.
Identify emerging risks and develop mitigation strategies.
Relationship Management
Build and maintain strong relationships with clients, government agencies, syndicators, housing authorities, and community partners.
Represent the bank at industry events, trainings, and affordable housing conferences.
Serve as a subject‑matter expert within the bank on affordable housing finance and community development lending.
Qualifications Required
Bachelor’s degree in Finance, Real Estate, Business, Public Policy, Urban Planning, or related field; or equivalent experience.
3–7+ years of experience in commercial real estate lending, community development finance or affordable housing finance.
Strong understanding of LIHTC programs and multifamily underwriting.
Demonstrated ability to analyze complex financial statements and pro forma models.
Excellent written and verbal communication skills, including the ability to present transactions to credit committees.
Preferred
Experience working with mission‑driven developers or nonprofit partners.
Knowledge of environmental reviews, appraisal standards, and construction loan administration.
Familiarity with federal and state housing agencies and community development programs.
Existing relationships in the affordable housing ecosystem.
Benefits:
Medical, Dental and Vision Insurance – START DAY ONE!
Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance
Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays
401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
Mental health benefits, including coaching and therapy sessions
Tuition Reimbursement for qualifying employees
Employee Ambassador preferred banking products
#J-18808-Ljbffr