HOA Relationship Manager

*Must have banking experience*

This role is responsible for developing new business, underwriting and structuring loans, and managing association lending relationships.

Responsibilities

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• Develop lending relationships with condominium associations, HOAs, and property management companies.
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• Build referral networks with association attorneys, engineers, reserve specialists, and other industry professionals.
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• Analyze financial statements, budgets, reserve studies, assessment collections, and delinquency reports.
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• Structure loans for capital improvements, structural repairs, reserve funding, insurance needs, and operating lines of credit.
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• Prepare credit memoranda and present recommendations to loan committees.
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• Monitor portfolio performance, complete annual reviews, and maintain covenant compliance.
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• Grow deposits and identify treasury management and other banking opportunities.
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• Coordinate with legal counsel and loan operations to facilitate closings and ensure compliance.
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Qualifications

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• Minimum of 7 years of commercial, association, real estate, or specialty finance lending experience.
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• Strong commercial underwriting and financial analysis skills.
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• Proven business development and relationship management abilities.
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• Knowledge of commercial loan documentation and closing requirements.
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• Understanding of association financial statements, reserve studies, and assessment structures.
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• Familiarity with HOA and condominium governance preferred.
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• Bachelor’s degree in a related field and formal commercial credit training preferred.
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