Relationship Manager Senior - Middle Market

Flagstar Bank is seeking a senior relationship manager to lead business development and relationship management for middle market companies with sales of $50 million or greater in New Jersey. The role generates revenue, manages client relationships and deal flow, coordinates internal product and credit teams, and oversees credit quality and risk exposure.

Responsibilities:

• New Business Origination: Developing and maintaining relationships to generate direct deal flow; Coordinate the team approach to approving and closing new deals to grow assets and revenues while optimizing profitability (ROE)
• Relationship Management: Working with assigned portfolio managers, engage with borrowers on idea generation and relevant opportunities to expand our relationship and will include new client generation, loan production and fee income related to cross-sell products
• Credit Quality: Working with assigned portfolio managers, ensure pro-actively monitoring credit quality of portfolio through timely financial statement gathering, monitoring client’s compliance with ongoing required reporting, properly analyzing financial information and taking or recommending appropriate corrective actions based on acceptable levels. Ultimately responsible for managing the banks risk exposure to acceptable levels
• Maintaining Knowledge: Staying abreast of industry trends and market conditions that could impact the Corporate and Regional Commercial Banking group as a whole and the assigned portfolio of relationships and borrowers
• Performs special projects, and additional duties and responsibilities as required
• Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations

Requirements:

• ​Undergraduate Degree (4 years or equivalent)​ in business, finance or related field
• ​10+ Years​ of experience as a Commercial Lending Relationship Manager and/or commercial lending sales. Some experience in commercial credit may substitute for production experience
• Regional Commercial & Corporate, Specialized Industries
• Expert knowledge of commercial lending credit, underwriting and loan structuring skills
• Expert analytical skills to understand financial and cash flow analyses
• Highly developed negotiation skills in addition to excellent verbal and written communication skills
• Experience utilizing a calling strategy to actively call on prospects/clients and establish a personally-developed network of clients and potential clients to source deals through various centers of influence
• Computer proficiency in Microsoft Office applications including; Word and Excel
• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results
• Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience
• Credit training preferred