Real Estate Lending Relationship Manager - The Woodlands, TX

The Woodlands, Texas, United States


At Amegy Bank, everyone counts! Your contributions are valued, and everyone has 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 team in The Woodlands, TX. This role will focus on production, managing and servicing an affordable multifamily housing loan portfolio.

Essential Functions:
Originate, manage and service an affordable multifamily housing portfolio of loan relationships, that utilize various forms of construction and permanent financing, including but not limited to Low Income Housing Tax Credit (LIHTC) equity, tax exempt multifamily mortgage revenue bonds, various state and federal loans/grants, and/or other conventional financing;

Expand, build, and maintain client relationships, providing the highest level of customer service;

Present credit presentations in-house supporting recommendations for a LIHTC debt opportunities;

Coordinate with the Amegy Bank’s CRA Investment Officer regarding LIHTC investment needs to secure debt opportunities.

Analyze financial models detailing development budgets and operating proformas for multifamily transactions subject to various rental restrictions;

Collect, review and organize due diligence required to evaluate transaction feasibility, including, but not limited to, entity organizational documents, financing documents, financial statements, and construction documents;

Review, interpret, and apply rules and guidelines governing the allocation of LIHTCs, tax exempt multifamily mortgage revenue bonds, and various construction and permanent debt products;

Review, and analyze third party reports including, but not limited to, appraisals, market studies, plan and cost reviews, physical needs assessments, and phase I environmental site assessments;

Evaluate the feasibility of proposed affordable multifamily transactions and either support or decline advancement to closing and funding;

Analyze financial statements, addressing industry risks and mitigants, collateral requirements, loan structuring and pricing, credit analysis including validation of various underwriting models, policy exception identification, monitoring credit performance, and present loan presentations for new commitments, modifications, and renewals.

Analyze risk rating assessment and periodic relationship reviews.

Responsible for covenant management and validating covenant compliance.

Report on portfolio quality related to past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, etc.

Cross sell other bank products

Perform other duties as required.

A four year college degree in general business, finance, accounting or commercial banking is preferred with 4+ years' directly related experience preferred. An equivalent combination of education and experience may meet qualifications.

Experience in the different types of affordable housing programs, i.e. LIHTC, 4% Tax Exempt Bonds, HOME, strongly preferred

Knowledge of credit analysis; spreading and analyzing financial statements; credit scoring; loan documentation required

Knowledge of tax credit equity, government and private lending platforms, including credit enhancement and rental subsidy programs preferred

Experience with bank loan and deposit systems preferred

Effective Microsoft Office skills including Outlook, Excel, and Word to produce reports, memos, and loan presentations.

Must have strong written, interpersonal skills

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