Senior Relationship Manager - Commercial Real Estate

Flagstar Bank; Newport Beach (CA); On-site; USD 143,000 - 222,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Comprehensive leave program

Job summary

Flagstar Bank in Newport Beach, CA is seeking a Senior Relationship Manager - Commercial Real Estate to manage CRE loan relationships, originate and close loans, and lead a team with product specialists and credit partners. The role emphasizes driving deal flow, portfolio oversight, and collaboration with credit, operations, and counseling teams to ensure compliant, profitable financing solutions. A strong background in CRE, credit, and client leadership is essential for success.

Qualifications

• Undergraduate degree in business, finance or related field.
• 10+ years as a Commercial Lending Relationship Manager or in commercial lending sales.
• Credit training preferred.

Responsibilities

• Develops and maintains relationships to generate direct deal flow and grow assets.
• Coordinates the team approach to approving and closing new deals.
• Engage with sponsors and borrowers to expand relationships.
• Monitor credit quality through timely financial statements and reporting.
• Responsible for managing bank risk exposure to acceptable levels.
• Collaborate with Credit and outside counsel to prepare credit documents.
• Stay updated on industry trends and market conditions.
• May mentor less experienced Relationship Managers.

Skills

Commercial lending

Credit underwriting

Portfolio management

Negotiation skills

Relationship building

Financial analysis

Client networking

Microsoft Office

Education

Bachelor's degree in business, finance, or related field

Tools

Microsoft Office

Job description

Position Title

Senior Relationship Manager - Commercial Real Estate

Location

Newport Beach, CA 92660

Job Summary

The Relationship Manager Sr - CRE Specialty manages commercial real estate loan relationships of all levels of complexity. Generates new business and relationships that will produce revenue from companies, sponsors, developers and businesses. Generates deal flow directly from these clients/prospects and orchestrating a team approach to the relationship. This position is supported by product specialists, portfolio managers (credit, underwriting, transaction approvals/processing) and operational support specialists but remains accountable for all aspects of the relationship. Responsible for the origination, negotiation, structuring, pricing, underwriting, and closing of loans. Manages a complex commercial loan portfolio ensuring the highest loan quality for the organization with minimal risk. Manages the on-going monitoring of portfolio quality and ensures compliance with applicable laws, regulations and guidelines. May mentor and assist less experienced Relationship Managers.

Job Responsibilities

• Develops and maintains relationships to generate direct deal flow; Coordinates the team approach to approving and closing new deals to grow assets and revenues while optimizing profitability (ROE).
• Works with assigned portfolio managers, engage with sponsors and borrowers on idea generation and relevant opportunities to expand our relationship.
• Works with assigned portfolio managers to ensure pro-active monitoring of the credit quality of the 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.
• Collaborating with Credit team and outside counsel as needed to prepare credit approval documents and managing onboarding process to ensure transactions are booked appropriately.
• Stays abreast of industry trends and market conditions that could impact the assigned portfolio of relationships and borrowers.
• Uses independent judgement and discretion to make decisions.
• Anlayses and resolves problems.
• May be responsible for talent management functions including: employment, performance evaluations, staff development/training, disciplinary actions, succession planning and ensuring all staff comply with compliance requirements.

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: Undergraduate Degree (4 years or equivalent) in business, finance or related field.
• Minimum experience required: 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.
• Preferred Qualifications: Credit training preferred.

Job Competencies

• 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.
• Fosters or supports a positive work culture and productive work environment, displaying importance of effective relationships with customers and stakeholders.
• Some travel may be required.

Physical Demands (ADA)

The job requires a moderate degree of physical exertion and stamina such as standing, sitting, walking, driving or infrequent lifting.

Equal Opportunity Employer

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 provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program.

Flagstar Bank Pay Range $142,561.50 - $222,200.00

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.

Flagstar Bank is committed to ensuring that you can successfully engage in our recruiting process.

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