Texas Capital Bank

Community Development Lending Officer

Job Location US-TX-Dallas - Corporate Headquarters
ID
2021-5360
Location: Address
2000 McKinney Ave
Category
Compliance & Regulatory

Overview

Texas Capital Community Development Corporation (TCCDC) which makes loans and equity investments in low-to moderate-income areas of the Texas.

 

The Community Development Lending Officer (CDLO) is responsible for identifying and facilitating qualified community development lending and investment opportunities for the TCCDC throughout the banks designated assessment areas in Texas. The CDLO will also serve as the subject matter expert (SME) on specialized lending and investments such as low-income housing tax credits (LIHTC), new market tax credits (NMTC) and other specialized investments such as Certified Development Financial Institutions (CDFIs) Minority Deposit Institutions, (MDI’s) and Small Business Investment Corporations (SBICs).   Texas Capital Bank is also a member of the Federal Home Loan Bank. As a sponsor member, the CDLO will be required to review and approve Affordable Housing Projects (AHP) applications submitted by development partners.

Responsibilities

  • Support TCCDC SVP/Relationship Manager with evaluating and qualifying community development loans and investment opportunities
  • Work with TCCDC RM, Commercial and Real Estate Relationship Managers and Credit Officers to assess credit opportunities, identify key risks and identify innovative and creative solutions to more complex community development transactions
  • Analyze and underwrite proposed credit facilities including affordable housing, health care facilities, and/or facilities that create economic development and revitalize/stabilize low- and moderate-income communities in accordance with credit policy
  • Manage the TCCDC investment portfolio including:
  • Analyze proposed investments and prepare an Investment Review memorandum for various types of funds for the CDC investment committee.
  • Review the performance of the investments within the portfolio on a quarterly basis
  • Participate on investor calls and review investor request for funding
  • Participate in the CDC’s annual performance review of each investment fund, both financially and in meeting the needs of the community.
  • Interact with the accounting group on the viability and stability of each fund.
  • Serve as Subject matter expert to business units in identifying, qualifying community development loan opportunities and work with C-level executives
  • Become a trusted advisor to community development stakeholders
  • Follow trends in industry and stay current with federal regulations impacting community development lending practices
  • Serve as a member of the Investment Review Team
  • Other duties as required

Qualifications

  • Bachelor’s degree in finance, accounting or business; MBA preferred
  • Strong financial and operations background with formal credit training
  • Ability to spread financial statements and prepare in-depth credit packages
  • Minimum of 3 years-experience in community development lending or underwriting and experience leading with syndicated transactions
  • Ability to do present and future value analysis
  • Ability to build positive working relationships across the organization and including relationships with C-level executives
  • Demonstrated ability to build and manage a portfolio
  • Ability to communicate and collaborate effectively with internal and external stakeholders
  • Effective presentation skills
  • Proficiency in the use of software tools for reports, audits, analysis and presentations

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