Senior Relationship Manager - Middle Market; San Francisco, California

Senior Relationship Manager – Middle Market (San Francisco, California)

Location:

Walnut Creek, CA 94596.

Responsible for new business development and relationship management targeted to middle market companies with sales of $50 million or greater within the San Francisco area, targeting Northern California. Generate revenue by developing and maintaining relationships with identified companies/developers/managers, 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, and operational support specialists but remains accountable for all aspects of the relationship.

• New Business Origination:
  Develop and maintain relationships to generate direct deal flow; coordinate the team approach to approving and closing new deals to grow assets and revenues while optimizing profitability (ROE).
• Relationship Management:
  Work with assigned portfolio managers, engage borrowers on idea generation and relevant opportunities to expand our relationship; include new client generation, loan production and fee income related to cross-sell products.
• Credit Quality:
  Pro‑actively monitor credit quality of portfolio through timely financial statement gathering, monitoring client compliance with required reporting, properly analyzing financial information and recommending corrective actions based on acceptable levels; ultimately responsible for managing the bank’s risk exposure to acceptable levels.
• Maintaining Knowledge:
  Stay abreast of industry trends and market conditions that could impact the Corporate and Regional Commercial Banking group and the assigned portfolio of relationships and borrowers.

• High School diploma/GED/Foreign Equivalent required;
  Bachelor's Degree required.
• Formal Credit Training preferred.
• 10+ years of Commercial financing or equivalent lending experience.
• Established relationships and demonstrated direct origination track record with relevant companies.
• Expertise in negotiating, structuring, and closing complex loans.
• Proven ability to generate significant cross‑sell revenues.
• Strong analytical and credit skills.
• High level of oral and written interpersonal and sales skills to present proposals to clients and recommend loan transactions to senior management.
• Expertise in due diligence, credit underwriting, and legal documentation.
• Excellent interpersonal, verbal and written communication skills.
• Ability to excel in a team environment.
• Cross‑sell banking services including treasury management, interest rate protection and syndication products (foreign exchange & commodity hedging is a plus).
• Early problem recognition, remedial management and appropriate coordination with workout as part of ongoing portfolio management.
• Keep management fully informed on all key factors of the bank, the portfolio, client relationships and the competitive environment.
• Involved in industry‑related associations, committees, and boards outside of the bank that provide marketing and community services for the Bank.
• Adhere to all regulatory and compliance issues linked to the job and the team; understand how these issues help the bank achieve the vision of remaining an independent bank.
• Consistently adhere to regulatory and compliance policies and standards linked to the job as listed.
• Must ensure compliance with applicable federal, state and local laws and regulations and complete all required compliance training on a timely basis.
• Maintain knowledge of and adhere to Flagstar’s internal compliance policies and procedures; take responsibility to keep up to date with changing regulations and policies.

Flagstar is an Equal Opportunity Employer.