What are the responsibilities and job description for the COMMERCIAL LENDING RELATIONSHIP MANAGER SR position at Flagstar Bank?
Responsible for new business development, portfolio management, credit quality and overall relationship management of an assigned portfolio of commercial customers. Generate revenue by developing and maintaining commercial account relationships. Position will have annual growth goals for loan outstandings, deposits, fees for Treasury Management, SWAP, and other bank products and services. Relationship Management : Actively developing a network of clients and potential clients to source deals through various centers of influence. Actively calling on prospects and existing clients, keeping abreast of clients / prospects needs in order to maintain and grow relationships and develop a pipeline. Revenue Generation : Developing and maintaining commercial account relationships in relation to loan production, deposit gathering and fee production. Work with product partners on cross-sell efforts to deepen relationships and improve profitability. Credit Quality : Pro-actively monitoring credit quality of portfolio through timely financial statement gathering, monitoring clients compliance with ongoing required reporting, properly analyzing financial information and taking or recommending appropriate corrective actions based on acceptable levels. Onboarding : Collaborating with Credit team and outside counsel as needed to prepare credit approval documents and managing onboarding process to ensure transactions are booked appropriately. Maintaining Knowledge : Staying abreast of industry trends, as well as legislation and regulations that impact the business. Job Requirements : Bachelors Degree Required Masters Degree Preferred Complexity of transactions / portfolios and years of experience differentiate the levels. 10 years of experience in commercial lending (either a production or credit role) 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 Demonstrated credit acumen skills with the ability to understand as well as interpret financial statements and cash flow analysis Handles transactions / relationships with the highest level of complexity Experience working with less experienced team members to mentor and develop them, sharing expertise and insights Excellent interpersonal and verbal and written communication skills Knowledge of regulatory compliance requirements Strong negotiation skills Strong knowledge of financial analysis and credit analysis skills Strong relationship management and business development / sales skills Excellent customer service and community relations skills Knowledge of banking regulations, compliance and requirements (e.g. Reg B, ECOA, HMDA, FIRREA, CRA, etc. Adhere to all regulatory and compliance issues linked to the job and the team and understand how these issues help the bank achieve the vision of remaining an independent bank. Staff member is expected to consistently adhere to regulatory and compliance policies and standards linked to their job as listed. Staff member will not repeatedly act in a manner signifying intentional or willful noncompliance, nor exhibit gross negligence or a general disregard for compliance and regulatory standards. Staff member must ensure compliance with applicable federal, state and local laws and regulations. Staff member must complete all required compliance training on a timely basis. Staff member will maintain knowledge of and adhere to Flagstars internal compliance policies and procedures. Staff member must take responsibility to keep up to date with changing regulations and policies. Flagstar is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identify, or national origin.
