HOA Relationship Manager

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

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