HBCF Loan Specialist

HBCF Loan Specialist

Position Overview

The HBCF Loan Specialist ensures timely and compliant closing of all Homebuilder and Community Finance (HBCF) loans originated by the bank. This role serves as a critical process driver throughout the loan origination and post-closing portfolio management lifecycle. The specialist manages complex credits, including participations and syndications, while coordinating with internal stakeholders, clients, legal counsel, and third-party vendors to achieve seamless loan closures and funding.

Key Responsibilities

• Manage end-to-end coordination of HBCF loan closings from term sheet through initial funding and booking, with particular expertise in complex structures such as participations and syndications
• Serve as primary point of contact and liaison with internal business partners, clients, title companies, legal counsel, syndicate members, and external consultants
• Review all loan documentation for compliance with credit approval terms, bank policy, federal and state regulations, and legal standards
• Request, order, and analyze comprehensive due diligence documentation, including entity documentation, flood determinations, appraisals, inspections, environmental reports, insurance, title, surveys, budgets, and construction-related materials
• Obtain original loan documents, review collateral exceptions, and clear exceptions prior to funding
• Facilitate account openings, client onboarding, and loan fundings in collaboration with internal business partners
• Support Relationship Managers with portfolio renewals and loan modifications as needed
• Manage approximately 10 builder portfolios, including both borrowing base and guidance lines of credit
• Process weekly builder draw requests, including unit inspections, system updates for percent completion, and availability analysis
• Maintain accurate collateral records by reconciling monthly and quarterly reports against HBCF internal reports
• Generate and process monthly renewal letters for maturing collateral units
• Manage timely and accurate system entry of builder requests for collateral and unit additions to lines of credit
• Build and maintain strong relationships with customers, business partners, and internal team members to deliver an exceptional client experience
• Support special projects and operational initiatives as assigned

Required Qualifications

• Minimum 3 years of commercial loan closing experience
• At least 2 years of experience in real estate or construction loan documentation and collateral tracking
• Demonstrated ability to manage multiple loans simultaneously while meeting critical closing deadlines
• Proven expertise in commercial collateral due diligence and entity documentation requirements
• Strong capability to review, interpret, and assess all loan documentation types, lien perfection, and attorney-prepared documents
• Proficiency in Microsoft Outlook, Word, and Excel
• Exceptional problem-solving and critical thinking abilities
• Ability to work independently with minimal supervision
• Meticulous attention to detail
• Demonstrated ability to interface effectively with executive management, clients, attorneys, title companies, and third-party consultants
• Professional discretion in handling confidential information
• Customer service mindset with personal initiative and sense of urgency in resolving issues

Preferred Qualifications

• Experience with TCL/Loan Momentum collateral management systems
• Bachelor's degree (relevant work experience will be strongly considered)

Additional Information

The duties listed above represent the essential functions of this position. Texas Capital Bank reserves the right to assign additional duties that are reasonably related to the role and consistent with standard departmental policy.

The duties listed above are the essential functions, or fundamental duties within the job classification.  The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.