This position is responsible for the supervision, coordination, and development of a team of Commercial Relationship Officers throughout different parts of the country dedicated to providing credit and non-credit financial services for Homeowners Associations (HOAs), Condominium Associations (COAs), and Residential Property Management Companies. Emphasis is placed on generating deposits, loans, and other auxiliary services like Lockbox, Treasury Management Services, etc. Relationship expansion through a proactive calling and follow-up program for the designated work group.

• Lead strategic planning and prioritization to ensure effective use of resources in support of growth and profitability objectives.
• Monitor and assess industry and market trends and drive continuous evolution of the Association Banking business to maintain a best-in-class operating model.
• Act as an industry thought leader, strengthening Popular Association Banking's brand, market presence, and reputation as a best-in-class financial partner.
• Recruit and manage a team of Commercial Relationship Officers responsible for growing and maintaining a portfolio of Homeowners and Condominium Association relationships, with a focus on onboarding, retention, and profitability.
• Evaluate, structure, and provide recommendations to credit on potential credit facilities requests, including operating lines, reserve loans, special assessments, and capital improvement financing.
• Analyze association financials, including budgets, reserve studies, delinquency trends, special assessments, and collateral structures.
• Engage with association boards, property managers, and managing agents to assess financial needs, structure credit solutions, and advise on operating, capital, and reserve funding strategies.
• Ensure association lending complies with governing documents, state statutes, underwriting standards, and required borrowing authorizations.
• Lead targeted business development and marketing efforts for the Homeowners Association segment, including outreach to property management firms, attorneys, and industry partners.
• Ensure accurate and compliant loan documentation and review portfolio-level performance and risk reports.
• Develop and oversee relationship management and calling programs to drive growth, retention, and cross-sell opportunities.
• Assist in forecasting loan production, deposit balances, fee income, and profitability metrics, considering project cycles and reserve funding trends.
• Supervise and train the assigned loan portfolio analyst(s) on financial analysis, reserve studies, delinquency risk, and HOA/COA-specific credit underwriting criteria to ensure compliance with Bank standards and loan covenants.
• Ensure adherence to policies, procedures, internal controls, and regulatory guidance applicable to community association lending.
• Build and maintain relationships with association clients and industry partners to strengthen the bank's presence, identify needs, recommend solutions, and establish effective follow-up strategies.
• Performs supervisory responsibilities in accordance with organizational policy and applicable law; provides coaching and technical guidance on association governance, reserve financing, and HOA/COA-specific credit risk.

• Bachelor’s degree in business or related field experience combined with a minimum of 10 years of experience in Association Lending and/or Association Business strongly preferred.
• Experience working directly with Homeowners Associations, Condominium Associations, Property Management Companies, or Community Association Institute (CAI) affiliated organizations, preferred.
• Demonstrates ability to analyze association budgets, reserve studies, delinquency trends, and special assessment impacts on repayment capacity.
• Knowledge of Homeowners Association and Condominium Association banking, including association governance structures, reserve funding methodologies, special assessments, cash flow analysis, and applicable banking regulations.
• Computer literate - fluent in Microsoft Office programs and Excel analysis
• Strong research and analysis of financial statements ability.
• Effectively communicates complex credit concepts to non-financial board members and volunteer association leadership.
• Ability to work on multiple projects/tasks simultaneously, managing time and resources to ensure that work is completed.
• Provides timely and professional support to all customers and vendors.
• Demonstrates ability to effectively coach employees and develop teamwork with co-workers in other units.