Commercial Real Estate Relationship Manager III - Senior Housing

Citizens•Montgomery, AL

7d•$240,000 - $300,000•Onsite

About The Position

The Senior Housing Relationship Manager is responsible for originating, structuring, and managing complex commercial real estate relationships with a focus on senior housing, healthcare real estate, and related operating platforms. This role combines deep sector expertise with broad commercial banking capabilities to deliver integrated financial solutions across lending, capital markets, and treasury services. The banker will drive growth through proactive origination, disciplined credit underwriting, and strategic client advisory, partnering across the Bank to deliver a “One Bank” approach to institutional and middle market clients.

Requirements

10+ years of experience in Commercial Real Estate or Commercial Banking, with meaningful exposure to senior housing, healthcare real estate, or operating businesses
Proven track record of originating, structuring, and executing commercial credit transactions
Experience managing large, complex client portfolios ($500MM+ relationships preferred)
Strong credit underwriting and risk assessment capabilities, including cash flow modeling and sensitivity analysis
Deep understanding of commercial loan structures (secured lending, syndications, lines of credit, and capital markets execution)
Ability to evaluate operator-driven business models alongside real estate fundamentals
Demonstrated ability to build and deepen client relationships, acting as a trusted advisor
Strong sales and origination discipline, with a focus on pipeline development and execution
Excellent communication and presentation skills, particularly in senior credit forums
Ability to think strategically about portfolio construction, risk-adjusted returns, and client growth opportunities
Strong collaboration skills, working effectively across Credit, Capital Markets, Private Bank, and Product teams
High level of professional judgment, accountability, and execution discipline

Nice To Haves

Completion of a formal credit training program strongly preferred
MBA or advanced degree is a plus

Responsibilities

Originate and expand relationships with senior housing owners, operators, sponsors, and institutional investors
Develop and execute client coverage strategies across independent living, assisted living, memory care, and continuing care retirement communities (CCRCs)
Build referral networks across private equity sponsors, REITs, developers, and healthcare operators
Structure and execute bilateral and syndicated credit facilities, including construction, bridge, and permanent financing
Analyze cash flow durability, operator performance, occupancy trends, and reimbursement exposure specific to senior housing
Lead preparation and presentation of credit approvals to senior management, demonstrating strong risk judgment and sector expertise
Coordinate execution of complex transactions, including multi-property portfolios and programmatic joint ventures
Manage a portfolio of senior housing relationships, ensuring proactive monitoring of credit quality, market trends, and sponsor performance
Identify emerging risks (e.g., labor costs, occupancy volatility, regulatory pressures) and develop mitigation strategies
Partner closely with Portfolio Management and Credit teams to ensure strong underwriting discipline and ongoing covenant compliance
Deliver the Bank’s full suite of capabilities, including Capital Markets, Treasury Management, Interest Rate Derivatives, and Investment Banking solutions
Provide strategic advice on capital structure, portfolio optimization, and capital raising alternatives
Collaborate across business lines to drive holistic client engagement and revenue growth
Maintain deep knowledge of senior housing market trends, including supply/demand dynamics, demographic tailwinds, and capital flows
Represent the Bank at industry conferences, client events, and investor forums to enhance brand presence and originations pipeline