HOA Relationship Manager

Job Description

* Must have banking experience*

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

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.