Senior Relationship Manager (Dealer Floor Plan )

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Position Title Senior Relationship Manager (Dealer Floor Plan ) Location Nationwide, MI 48098 Job Summary The Relationship Manager - Dealer Floor Plan manages commercial 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. The 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. Job Responsibilities: New Business Origination : Develops and maintains relationships to generate direct deal flow. Position will be focused on generating new business that focuses on the entire banking relationship; Coordinates the team approach to approving and closing new deals to grow assets and revenues while optimizing profitability (ROE). Credit Quality and Onboarding: 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. Relationship Management: Works with assigned portfolio managers, engage with sponsors and borrowers on idea generation and relevant opportunities to expand our relationship. Maintaining Knowledge: 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 . Analyzes and resolves problems . ADDITIONAL ACCOUNTABILITIES Performs special projects, and additional duties and responsibilities as required . C onsistently adhere s 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 a n d regulations. Required Qualifications: Education level required : Undergraduate Degree (4 years or equivalent) in business, finance or related field. Minimum experience required : 10+ years of Dealer Finance Plan Experience specific to Specialized Industries ; In vestment Banking, Leveraged Finance, or Capital Markets experience. Credit training preferred . Job Competencies: Expert knowledge of commercial lending credit, underwriti ng and loan structuring skills. Expert a nalytical skills to understand fin ancial and cash flow analyses. Highly developed n egotiation 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. 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