Business Development Officer - Business Banking Job Ann Arbor area,Michigan USA,Sales

Position: Business Development Officer - Business Banking-3

Position Title Business Development Officer - Business Banking-3 Location Clinton Township, MI

Job Summary The Business Development Officer is a key revenue-generating role within Flagstar's Business Banking division, responsible for the acquisition of new client relationships within the $10M–$50M annual revenue segment. This role operates within a collaborative pod structure alongside a Relationship Manager (RM) and Business Banking Specialist (BBS), ensuring a seamless client experience from prospecting through onboarding and long‑term servicing. The BDO serves as the front line of growth for the bank—identifying, qualifying, and converting new business opportunities while representing Flagstar's brand and capabilities in the marketplace.

Job Responsibilities

New Client Acquisition & Prospecting
- Proactively identify, source, and pursue new business banking relationships within the $10M–$50M revenue segment
- Develop and execute a disciplined prospecting strategy leveraging market intelligence, referral networks, and centers of influence (COIs)
- Build and maintain a robust pipeline of qualified opportunities through consistent outreach, networking, and community engagement
- Represent Flagstar Bank at industry conferences, networking events, and professional associations to build brand awareness and generate leads
Sales Execution & Pipeline Management
- Manage the full business development lifecycle from initial contact through proposal delivery and commitment
- Prepare and deliver compelling presentations and proposals tailored to prospect needs
- Negotiate terms on straightforward credit requests and coordinate with the Relationship Manager on more complex structures
- Maintain accurate and timely pipeline reporting within the CRM platform, including activity tracking, forecasting, and conversion metrics
Credit & Financial Solutions
- Originate and structure smaller, straightforward credit requests (e.g., lines of credit, term loans, owner‑occupied real estate) within established parameters
- Analyze prospect financial statements and assess credit fit to determine alignment with Flagstar's risk appetite
- Partner with the Relationship Manager to transition complex credit structures and ensure seamless handoff
- Position the full suite of Flagstar products including deposits, treasury management, payments, and merchant services
Collaboration & Pod Partnership
- Operate as an integral member of the Business Banking pod (BDO + RM + BBS), ensuring coordinated client coverage and communication
- Facilitate warm handoffs of newly acquired clients to the Relationship Manager and Business Banking Specialist for onboarding and ongoing servicing
- Collaborate with internal product partners including Treasury Management, Payments, Wealth Management, and Commercial Real Estate to deliver comprehensive solutions
- Share market intelligence and competitive insights with the pod and broader Business Banking leadership
Market Intelligence & Strategy
- Monitor market trends, competitor activity, and industry developments within assigned markets
- Identify high‑value growth opportunities and recommend strategic pursuit decisions to leadership
- Contribute to the development of go‑to‑market strategies and segment‑specific campaigns
- Provide regular market feedback to inform product development and pricing decisions
Risk Management & Compliance
- Adhere to all bank policies, procedures, and regulatory requirements in the execution of business development activities
- Demonstrate sound judgment in assessing and mitigating risk across all client interactions
- Ensure all prospect and client interactions are documented in accordance with compliance standards
- Support the bank's Enterprise Risk Management framework through proactive identification of potential risks
- Uses…