Real Estate Lending Relationship Manager - The Woodlands, TX

Amegy Bank • The Woodlands, TX

1d • Onsite

About The Position

Amegy Bank is seeking an experienced Real Estate Lending Relationship Manager to join its Commercial Real Estate (CRE) team in The Woodlands, TX. This role is crucial for sourcing and cultivating lending opportunities with affordable housing developers, community development corporations, mission-driven organizations, and public agencies. The Relationship Manager will be responsible for evaluating project feasibility and borrower creditworthiness through financial modeling, market analysis, and risk assessment. They will structure diverse loan products, including construction loans, permanent financing, acquisition loans, bridge loans, and tax-credit–enhanced lending, while developing and maintaining a robust pipeline aligned with departmental growth goals. The position also entails leading the full underwriting process for complex layered financing deals involving various federal, state, and local programs, preparing comprehensive credit memoranda for review, and coordinating with internal teams to ensure accurate and timely loan execution. Additionally, the manager will negotiate loan terms, manage a portfolio of affordable housing loans by monitoring performance and identifying risks, and build strong relationships with clients, government agencies, and community partners. Representing the bank at industry events and serving as a subject-matter expert in affordable housing finance and community development lending are also key aspects of this role.

Requirements

• Bachelor’s degree in Finance, Real Estate, Business, Public Policy, Urban Planning, or related field; or equivalent experience.
• 3–7+ years of experience in commercial real estate lending, community development finance, or affordable housing finance.
• Strong understanding of LIHTC programs and multifamily underwriting.
• Demonstrated ability to analyze complex financial statements and pro forma models.
• Excellent written and verbal communication skills, including the ability to present transactions to credit committees.

Nice To Haves

• Experience working with mission-driven developers or nonprofit partners.
• Knowledge of environmental reviews, appraisal standards, and construction loan administration.
• Familiarity with federal and state housing agencies and community development programs.
• Existing relationships in the affordable housing ecosystem.

Responsibilities

• Source and cultivate lending opportunities with affordable housing developers, community development corporations, mission‑driven organizations, and public agencies.
• Evaluate project feasibility and borrower creditworthiness through financial modeling, market analysis, and risk assessment.
• Structure loan products that may include construction loans, permanent financing, acquisition loans, bridge loans, and tax-credit–enhanced lending.
• Develop and maintain a robust pipeline aligned with departmental growth goals.
• Lead full underwriting process, including financial spreads, cash-flow projections, collateral analysis, and risk grading.
• Analyze layered financing deals involving Low-Income Housing Tax Credits (LIHTC), HOME, CDBG, RAD, Section 8, HOPE VI, and other federal, state, and local programs.
• Prepare clear, comprehensive credit memoranda for credit committee review.
• Coordinate with internal teams (credit, appraisal, compliance, legal) to ensure accurate, timely loan execution.
• Negotiate loan terms, conditions, covenants, and pricing consistent with risk and bank policy.
• Manage a portfolio of affordable housing loans, monitoring performance, covenant compliance, and collateral conditions.
• Conduct periodic property inspections, borrower meetings, and annual reviews.
• Identify emerging risks and develop mitigation strategies.
• Build and maintain strong relationships with clients, government agencies, syndicators, housing authorities, and community partners.
• Represent the bank at industry events, trainings, and affordable housing conferences.
• Serve as a subject-matter expert within the bank on affordable housing finance and community development lending.

Benefits

• Medical, Dental and Vision Insurance – START DAY ONE!
• Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
• Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits, including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 501-1,000 employees