Commercial Real Estate Senior Relationship Manager - Homebuilder Finance

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.

Job Description

U.S. Bank's Housing Capital Group, a specialized division within Commercial Real Estate, is seeking an experienced Senior Relationship Manager to manage and grow a portfolio of large private and regional homebuilders.

This role is focused on supporting homebuilder clients across the United States, with a primary emphasis on the Houston market, and requires a strong blend of client relationship management, business development, and credit expertise.

Position Summary

The Senior Relationship Manager will serve as the primary point of contact for a portfolio of homebuilder clients, responsible for driving revenue growth, originating new business, and managing complex credit relationships.

This is a highly client-facing, sales-oriented role with responsibility for both maintaining an existing book of business and proactively identifying new opportunities. The position operates in a dynamic lending environment, supporting construction financing and borrowing-base lines of credit tailored specifically to homebuilder clients.

Key Responsibilities

Client Relationship Management

• Serve as the lead relationship manager for a portfolio of large private and regional homebuilders

• Develop and maintain strong client relationships, acting as a trusted advisor

• Understand clients' evolving credit and banking needs and deliver tailored solutions

• Represent U.S. Bank within the homebuilder and real estate community

Business Development & Origination

• Drive revenue growth through both existing client expansion and new client acquisition

• Originate new lending opportunities, primarily focused on:

• Construction financing

• Borrowing-base / line-of-credit structures

• Identify and execute cross-sell opportunities across banking products and services

Portfolio Management

• Inherit and actively manage an existing portfolio of client relationships

• Oversee a dynamic portfolio of lending relationships with frequent collateral and borrowing-base activity

• Ensure ongoing portfolio performance, client satisfaction, and risk management

Credit & Underwriting Partnership

• Partner closely with credit teams to structure, negotiate, and execute transactions

• Maintain a strong understanding of homebuilder-specific underwriting practices

• Participate in the credit approval process and manage deal execution from origination through closing

Cross-Functional Collaboration

• Collaborate with key internal partners, including:

• Credit (daily interaction)

• Treasury Management and Deposits

• Syndications

• Wealth Management

• Facilitate introductions and solutions that enhance the overall client relationship

Market Engagement

• Actively participate in industry events and networking opportunities

• Maintain awareness of market trends within the homebuilding sector

• Serve as a visible and engaged representative of the bank in the local market

Basic Qualifications

• Bachelor's or Master's degree in finance, accounting or other related field

• Five or more years of commercial real estate experience

Preferred Skills/Experience

• Five or more years of homebuilder finance experience, specifically in underwriting construction loans and secured and unsecured borrowing base facilities.

• Advanced knowledge and experience in commercial real estate loan origination and portfolio management.

• Proven business development and strategic management skills

• Experience with driving successful internal partnerships with deposit/treasury management and payment solutions, syndications, wealth management, etc.

• Strong leadership and strategic management skills

• Excellent verbal and written communication skills

• Well-developed analytical, decision-making and problem-solving skills

• Salesforce and nCino experience a plus

• Significant experience in homebuilder finance or lending

• Proven background in relationship management, business development, or lending roles

• Strong credit and underwriting knowledge, particularly within homebuilder or residential development financing

• Demonstrated ability to originate and grow client relationships

• Experience working with borrowing-base or line-of-credit structures

Location expectations

This role requires working from a U.S. Bank location three (3) or more days per week. This position is located in the Houston (Katy) office.

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants ( .

Benefits:

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here ( .

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program ( .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $149,515.00 - $175,900.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.