Senior Relationship Manager - Food and Beverage

About this role

Position Title Senior Relationship Manager - Food and Beverage Location Nationwide, MI 48098 Job Summary The Senior Relationship Manager will manage loan relationships within our Food and Beverage vertical. Generates new business and relationships that will produce revenue from companies, while generating 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. May mentor and assist less experienced Relationship Managers. 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 .    

• 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 ​   as a Commercial Lending Relationship Manager and/or commercial lending sales. Some experience in commercial credit may substitute for production experience.  

• 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 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 $140,781.75 - $239,461.00 Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as appliable.

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