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The Senior Relationship Manager-Home Builder Finance manages Home Builder Finance loan relationships of all levels of complexity. Generates new business and relationships that will produce revenue from companies, sponsors, developers and businesses. Generates deal flow directly from these clients/prospects and orchestrating a team approach to the relationship. The position is supported by product specialists, portfolio managers (credit, underwriting, transaction approvals/processing) and operational support specialists but remains accountable for all aspects of the relationship. Responsible for the origination, negotiation, structuring, pricing, underwriting, and closing of loans. Manages a complex loan portfolio ensuring the highest loan quality for the organization with minimal risk. Manages the on-going monitoring of portfolio quality and ensures compliance with applicable laws, regulations and guidelines. May mentor and assist less experienced Relationship Managers.
Prospects for new customers through leads developed personally or that come from referral sources
Develops and maintains relationships to generate direct deal flow
Coordinates the team approach to approving and closing new deals to grow assets and revenues while optimizing profitability (ROE)
Works with assigned portfolio managers, engage with sponsors and borrowers on idea generation and relevant opportunities to expand our relationship
Works with assigned portfolio managers to ensure pro-active monitoring of the credit quality of the portfolio
Collaborating with Credit team and outside counsel as needed to prepare credit approval documents and managing onboarding process to ensure transactions are booked appropriately
Stays abreast of industry trends and market conditions that could impact the assigned portfolio of relationships and borrowers
Uses independent judgement and discretion to make decisions
Requirements:
Undergraduate Degree (4 years or equivalent) in business, finance or related field
Minimum 10+ Years financing production homebuilders with at least 5 years in sales
Formal credit training program or experience in reading financial statements
Nice to have:
Experience underwriting and structuring builder lines and acquisition & development loans
Experience networking and prospecting new clients and establishing builder finance relationships
Experience with complex transactions/relationships
Experience working with less experienced team members to mentor and develop them, sharing expertise and insights
What we offer:
medical, dental, vision, life, and disability insurance