[Hiring] Senior Mortgage Finance Banking Relationship Manager @Flagstar Bank

Role Description

The Mortgage Finance Banking Relationship Manager Sr is responsible for managing a portfolio of commercial banking clients encompassing both Mortgage Servicing Rights (MSR) and Mortgage Warehouse Lending. The portfolio includes both bilateral and syndicated credit facilities. This role ensures strong client relationships, delivering exceptional service, and driving revenue growth. This role combines proactive relationship management with new business development, while ensuring compliance with credit, legal, and regulatory requirements. The Mortgage Banking Finance Relationship Manager Sr partners closely with internal teams to manage risk and implement strategies that meet organizational goals in a disciplined, credit-appropriate manner.

Job Responsibilities

• Maintain and deepen relationships with assigned commercial clients to maximize satisfaction and revenue.
• Collaborate with internal teams (Treasury Management, Operations, Legal, Credit) to protect and expand existing business.
• Oversee invoicing, revenue collection, and documentation processes, including renewals and terminations.
• Monitor portfolio credit quality, review financials and take or recommend appropriate actions.
• Identify and target prospective clients that align with Bank criteria.
• Build and maintain a robust pipeline of prospects and referral sources including other banks, technology vendors, legal firms, and consultants.
• Partner with internal and external groups to perform credit reviews and presentations, preparation and review of legal documentation, and assist in the proper operational set-up of new relationships.
• Represent the Bank at industry events and conferences to build brand presence and foster new relationships.
• Structure and manage both bilateral and syndicated credit facilities in partnership with the syndications team.
• Maintain expertise in Mortgage Banking Finance, including both MSR lending and Mortgage Warehouse lending across bilateral and syndicated structures.
• Stay informed on market trends, industry developments, legislation, and regulatory changes.
• Uses independent judgement and discretion to make decisions.
• Analyzes and resolves problems.

Additional Accountabilities

• Performs special projects, and additional duties and responsibilities as required.
• Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance training.
• Accountable to maintain compliance with applicable federal, state, and local laws and regulations.

Qualifications

• Education level required: High School / High School Equivalency (GED, HiSET, TASC) / Foreign Equivalent.
• Minimum experience required: 8+ Years of experience in banking, including at least 3 years in mortgage banking finance.
• Experience in both MSR lending and Mortgage Warehouse lending; candidates with deep experience in one and exposure to the other will be considered.
• Strong understanding of bilateral and syndicated loan structures.

Preferred Qualifications

• Education level preferred: Undergraduate Degree (4 years or equivalent) in Finance, Economics or a related subject.
• Formal credit training.
• Experience working with less experienced team members to mentor and develop them, sharing expertise and insights.
• 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.

Job Competencies

• Self-driven with ability to work independently and within groups.
• Demonstrated credit skills with the ability to understand as well as interpret financial statements and cash flow analysis.
• Handles transactions/relationships with the highest level of complexity.
• Excellent interpersonal, verbal and written communication skills.
• Knowledge of regulatory compliance requirements.
• Proven ability to manage multiple priorities while delivering exceptional customer service.
• Strong negotiation skills.
• Strong knowledge of financial analysis and credit analysis skills.
• Strong relationship management and business development/sales skills.
• Excellent customer service and community relations skills.
• Knowledge of banking regulations, compliance and requirements (e.g. Reg B, ECOA, HMDA, FIRREA, CRA, etc.).
• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross-functional insights.
• 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 required; amount depends on assigned market.
• Physical demands (ADA): No unusual physical exertion is involved.

Pay Range

$104,898.75 - $243,612.00

Equal Opportunity Statement

Flagstar is an Equal Opportunity Employer - Vets/Disabled.