Business Banking Relationship Manager Sr

Flagstar Bank; Fort Lauderdale (FL); On-site; USD 86,000 - 152,000; Full time

Job summary

Flagstar Bank in Fort Lauderdale, FL is seeking a Senior Business Banking Relationship Manager Sr to drive acquisition, retention and expansion of business banking clients. You will lead the sales process, collaborate with branch managers, and coordinate with Commercial Banking, Treasury Management and Merchant Services to deliver tailored financial solutions.

Responsibilities include developing revenue through loans, deposits and fee-based services, cross-selling products, and mentoring junior

Qualifications

• Education level required: High School / High School Equivalency (GED, HiSET, TASC) / Foreign Equivalent.
• Minimum experience required: 10+ years of sales or relationship management experience in business banking.
• Education level preferred: Undergraduate Degree (4 year or equivalent) in a business-related major.
• Master’s degree in a related field preferred.
• Formal Commercial Credit training.
• Business Banking sales training.
• Strong knowledge of SBA products and programs.

Responsibilities

• Develop new small business relationships by proactively making outside business calls both in person and by phone.
• Maintain strong relationships with existing customer base in designated area.
• Leverage the sales process in alignment with the retail operating model and effectively utilize high performance sales tactics.
• Retain and grow profitable new business for business banking clients.
• Support the achievement of the business banking plan for Retail.
• Analyze customer financial condition and recommend financial solutions that meet the customer’s business and personal needs, while appropriately leveraging the small business product line.
• Establish Flagstar Bank as the bank of choice for small business customers within the designated footprint by participating in various community affairs and activities to promote the image of the bank and further develop new business opportunities.
• Establish and maintain a network of resourceful working relationships with internal business partners and external centers of influence.
• Proactively serve as the client’s trusted advisor and idea generator by engaging the full resources of the bank to uncover and deliver value solutions to meet the key objectives of the client.
• Fully explore client financial profiles to provide creative options ensuring the full integration of all banking products to maximize client relationships. Includes: Consumer, Investment Center, Mortgage and Treasury Management.
• Manage portfolio of business banking customers to the highest profit potential while adhering to credit policy and regulatory requirements.
• Transition clients to appropriate area when appropriate.
• Ensure a complete loan package is delivered and executed per the appropriate operating model.
• Negotiate loan terms and conditions.
• Attend loan closings and ensure proper execution of documentation.
• Take ownership of the credit quality of the portfolio, compile and analyze data for loan requests and validate obligor and facility ratings.
• Uses independent judgement and discretion to make decisions.
• Analyzes and resolves problems.
• ADDITIONAL ACCOUNTABILITIES 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.

Skills

Prospecting

Relationship building

Sales acumen

Negotiation

Credit analysis

Communication

Education

High School or equivalent

Undergraduate degree preferred

Master’s degree preferred

Commercial Credit training

Sales training in Business Banking

Job description

Position Title

Business Banking Relationship Manager Sr

Location

Fort Lauderdale, FL 33308

Job Summary

The Sr Relationship Manager - Business Banking is responsible for the acquisition, retention and expansion of business banking clients and prospects. Accountable for developing revenue growth through generation of loans, deposit and fee-based services; cross-selling all applicable bank products and services to increase the number of products/services sold; identifying and selling bank services to non-clients. Act as key point of contact for branch managers and customers as it relates to business banking needs. Responsible for leading, coaching and supporting business banking sales activities to promote business banking sales. Additionally, develop and maintain internal partnerships within Community Banking to include Branch and Market Managers, Commercial Banking, Merchant Services and Treasury Management. Business Banking deals are typically >$250K - $2.5MM in loan exposure for internally generated referrals; however, based on the RM’s skill level can range up to $5MM or more in exposure for externally generated referrals from COIs, etc.

Job Responsibilities

• Develop new small business relationships by proactively making outside business calls both in person and by phone.
• Maintain strong relationships with existing customer base in designated area.
• Leverage the sales process in alignment with the retail operating model and effectively utilize high performance sales tactics.
• Retain and grow profitable new business for business banking clients.
• Support the achievement of the business banking plan for Retail.
• Analyze customer financial condition and recommend financial solutions that meet the customer’s business and personal needs, while appropriately leveraging the small business product line.
• Establish Flagstar Bank as the bank of choice for small business customers within the designated footprint by participating in various community affairs and activities to promote the image of the bank and further develop new business opportunities.
• Establish and maintain a network of resourceful working relationships with internal business partners and external centers of influence.
• Proactively serve as the client’s trusted advisor and idea generator by engaging the full resources of the bank to uncover and deliver value solutions to meet the key objectives of the client.
• Fully explore client financial profiles to provide creative options ensuring the full integration of all banking products to maximize client relationships. Includes: Consumer, Investment Center, Mortgage and Treasury Management.
• Manage portfolio of business banking customers to the highest profit potential while adhering to credit policy and regulatory requirements.
• Transition clients to appropriate area when appropriate.
• Ensure a complete loan package is delivered and executed per the appropriate operating model.
• Negotiate loan terms and conditions.
• Attend loan closings and ensure proper execution of documentation.
• Take ownership of the credit quality of the portfolio, compile and analyze data for loan requests and validate obligor and facility ratings.
• Uses independent judgement and discretion to make decisions.
• Analyzes and resolves problems.
• ADDITIONAL ACCOUNTABILITIES 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.

Job Requirements

• Education level required: High School / High School Equivalency (GED, HiSET, TASC) / Foreign Equivalent.
• Minimum experience required: 10+ years of sales or relationship management experience in business banking.
• Education level preferred: Undergraduate Degree (4 year or equivalent) in a business-related major.
• Master’s degree in a related field preferred.
• Formal Commercial Credit training.
• Business Banking sales training.
• Strong knowledge of SBA products and programs.

Job Competencies

• Demonstrated track record of prospecting and securing new business clients.
• 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 verbal and written communication skills.
• Strong negotiation and influencing skills.
• Knowledge of small business deposit and lending products.
• Strong prospecting, relationship management, and sales skills.
• Strong knowledge of financial analysis and commercial credit skills.
• Excellent customer service and community relations skills.
• Strong knowledge of banking regulations, compliance, and requirements (e.g., Reg B, ECOA, HMDA, FIRREA, CRA, etc.).
• 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.
• Fosters or supports a positive work culture and productive work environment, displaying importance of effective relationships with customers and stakeholders.

Physical demands (ADA): No unusual physical exertion is involved.

Flagstar is an Equal Opportunity Employer We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment.

Flagstar Bank Pay Range $86,279.25 - $151,601.00

Flagstar Bank, N.A. is based in Hicksville, NY, and at December 31, 2025, had $87.5 billion in assets, $60.7 billion in loans, $66 billion in deposits, and $8.1 billion in total stockholder equity. We are a leading regional bank with approximately 340 locations, and strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and the West Coast. We are driven by our commitment to partner with our clients to set and reach goals together, helping them to take charge and thrive. Our focus is on four core lines of business that include Personal, Private, Small Business and Corporate & Commercial Banking.

Equal Opportunity Employer For more Information: EEOC_KnowYourRights Member FDIC/Equal Housing Lender