Relationship Manager Senior - Middle Market

Flagstar; New Jersey; Hybrid; USD 132,000 - 219,000; Full time

Job summary

Flagstar is seeking a Senior Relationship Manager for Middle Market to develop new business and manage key NJ mid-market relationships. You will lead cross-functional collaboration with product and credit teams to grow assets and revenues while maintaining rigorous credit standards.

The role emphasizes active client engagement, deal origination, and smart risk management across the portfolio in a Work From Home NJ setting.

Qualifications

• Undergraduate Degree (4 years) in business, finance or related field.
• 10+ years of experience in commercial lending relationship management and/or sales.
• Credit training preferred.

Responsibilities

• New Business Origination: Develop and maintain relationships to generate direct deal flow and grow assets and revenues.
• Relationship Management: Engage borrowers with portfolio managers to expand relationships and cross-sell products.
• Credit Quality: Monitor portfolio credit quality and ensure compliance with reporting and risk controls.
• Maintaining Knowledge: Stay informed on industry trends and market conditions affecting the group.

Skills

Commercial lending

Credit underwriting

Loan structuring

Analytical skills

Negotiation skills

Communication skills

Microsoft Office

Education

Undergraduate degree (4 years) in business/finance

Tools

Microsoft Office

Job description

Position Title

Relationship Manager Senior - Middle Market

Location

Work From Home NJ, NJ 08601

Job Summary

Responsible for new business development and relationship management targeted to middle market companies with sales of $50 million or greater within New Jersey. Generate revenue by developing and maintaining relationships with identified companies/developers/managers, generating deal flow directly from these clients/prospects and orchestrating a team approach to the relationship. The position is supported by product specialists (capital markets, rates and FX derivatives, treasury management, etc.), portfolio managers (credit underwriting, transaction approvals/processing, portfolio management routines) and operational support specialists but remains accountable for all aspects of the relationship.

Job 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

ADDITIONALACCOUNTABILITIES

• Performs special projects, andadditionalduties and responsibilities asrequired.

• Consistently adheresto regulatory and compliance policies and standards linked to the job as listedand complete required compliance trainings.Accountable tomaintaincompliance with applicable federal,stateand local laws and regulations.

Required Qualifications:

• Education levelrequired:Undergraduate Degree (4 years or equivalent) in business,financeor related field.
• Minimum experiencerequired:10+ Yearsof 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.
• Credit trainingpreferred.

Job Competencies:

• Expert knowledge of commercial lendingcredit,underwritingand 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.
• Experienceutilizinga calling strategy to actively call on prospects/clients andestablishapersonally-developednetwork of clients and potential clients to source deals through various centers of influence.
• ComputerproficiencyinMicrosoft Office applicationsincluding;Word and Excel.
• Demonstrates a strong ability to build andmaintaineffective relationships with stakeholders by communicating clearly,engaging in proactive collaboration, andleveragingcross functionalinsights.Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.
• Builds trusted client relationships, whether internal or external, byidentifyingneeds and delivering tailored solutions to enhance the overall client experience.
• Fosters orsupportsa positive work culture and productive work environment, displayingimportanceof effective relationships with customers and stakeholders.
• Some travel may berequired.
• Physical demands (ADA):The job requires a moderate degree of physical exertion and stamina such as standing, sitting, walking, driving or infrequent lifting.

Flagstar is an Equal Opportunity Employer - Vets/Disabled

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 provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: Benefits | Flagstar Bank

Pay Range

$131,611.50 - $219,478.00