Real Estate Lending Relationship Manager - The Woodlands, TX

Key Responsibilities

• 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.
• 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.
• Cook up coordination 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.
• 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.
• 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.
• Required: 3–7+ years of experience in commercial real estate lending, community development finance, or affordable housing finance.
• Preferred: Strong understanding of LIHTC programs and multifamily underwriting.
• Preferred: Demonstrated ability to analyze complex financial statements and pro forma models.
• Preferred: 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.
• Preferred: Knowledge of environmental reviews, appraisal standards, and construction loan administration.
• Preferred: Familiarity with federal and state housing agencies and community development programs.
• Preferred: Existing relationships in the affordable housing ecosystem.