Senior Relationship Manager - Commercial Real Estate

Position Title

Senior Relationship Manager – Commercial Real Estate (CRE Specialty)

Newport Beach, CA 92660

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 orchestrates a team approach to the relationship. Supported by product specialists, portfolio managers (credit, underwriting, transaction approvals/processing) and operational support specialists while remaining accountable for all aspects of the relationship.

Responsible for 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, ongoing monitoring of portfolio quality, and compliance with applicable laws, regulations and guidelines. May mentor and assist less experienced Relationship Managers.

• 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, engages with sponsors and borrowers on idea generation and relevant opportunities to expand the relationship.
• Ensures proactive monitoring of the credit quality of the portfolio through timely financial statement gathering, monitoring client compliance with ongoing required reporting, properly analyzing financial information, and recommending appropriate corrective actions based on acceptable levels.
• Manages the bank's risk exposure to acceptable levels.
• Collaborates with Credit team and outside counsel to prepare credit approval documents and manages the 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 judgment and discretion to make decisions and analyzes 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.
• Performs special projects and additional duties and responsibilities as required.
• Consistently adheres to regulatory and compliance policies and standards and completes required compliance trainings.
• Maintains compliance with applicable federal, state and local laws and regulations.

• Education: Undergraduate Degree (4 years or equivalent) in business, finance or related field.
• Experience: 10+ years as a Commercial Lending Relationship Manager and/or commercial lending sales. Some experience in commercial credit may substitute for production experience.
• Preferred
  
  Qualification:
  
  Credit training.

• Expert knowledge of commercial lending credit, underwriting and loan structuring.
• Expert analytical skills to understand financial and cash flow analyses.
• Highly developed negotiation skills plus 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.
• 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.

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

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.

Benefits include medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Pay range: $ – $.

Flagstar is an Equal Opportunity Employer.