Senior Relationship Manager-Home Builder Finance
Flagstar Bank, Houston, Texas, United States, 77246
Position Title
Senior Relationship Manager – Home Builder Finance
Location Houston, TX 77079
Job Summary The Senior Relationship Manager–Home Builder Finance manages Home Builder Finance 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. 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 loan portfolio ensuring the highest loan quality for the organization with minimal risk. Manages ongoing 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 – Develop new, profitable builder finance relationships. Prospect for new customers through leads developed personally or that come from referral sources. 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 with sponsors and borrowers on idea generation and relevant opportunities to expand our relationship.
Credit Quality – Work with assigned portfolio managers to ensure proactive 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 bank’s risk exposure to acceptable levels.
Onboarding – Collaborate with Credit team and outside counsel as needed to prepare credit approval documents and manage the onboarding process to ensure transactions are booked appropriately.
Maintaining Knowledge – Stay 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.
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 trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.
Job Requirements
Education level required: Undergraduate Degree (4 years or equivalent) in business, finance or related field.
Minimum experience required: 10+ years financing production homebuilders with at least 5 years in sales.
Formal credit training program or experience in reading financial statements.
Preferred Qualifications
Experience underwriting and structuring builder lines and acquisition & development loans.
Experience networking and prospecting new clients and establishing builder finance relationships.
Experience with complex transactions/relationships.
Experience working with less experienced team members to mentor and develop them, sharing expertise and insights.
Job Competencies
Expert knowledge of commercial lending credit, underwriting and loan structuring.
Expert analytical skills to understand financial and cash flow analyses.
Highly developed negotiation 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
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Location Houston, TX 77079
Job Summary The Senior Relationship Manager–Home Builder Finance manages Home Builder Finance 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. 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 loan portfolio ensuring the highest loan quality for the organization with minimal risk. Manages ongoing 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 – Develop new, profitable builder finance relationships. Prospect for new customers through leads developed personally or that come from referral sources. 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 with sponsors and borrowers on idea generation and relevant opportunities to expand our relationship.
Credit Quality – Work with assigned portfolio managers to ensure proactive 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 bank’s risk exposure to acceptable levels.
Onboarding – Collaborate with Credit team and outside counsel as needed to prepare credit approval documents and manage the onboarding process to ensure transactions are booked appropriately.
Maintaining Knowledge – Stay 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.
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 trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.
Job Requirements
Education level required: Undergraduate Degree (4 years or equivalent) in business, finance or related field.
Minimum experience required: 10+ years financing production homebuilders with at least 5 years in sales.
Formal credit training program or experience in reading financial statements.
Preferred Qualifications
Experience underwriting and structuring builder lines and acquisition & development loans.
Experience networking and prospecting new clients and establishing builder finance relationships.
Experience with complex transactions/relationships.
Experience working with less experienced team members to mentor and develop them, sharing expertise and insights.
Job Competencies
Expert knowledge of commercial lending credit, underwriting and loan structuring.
Expert analytical skills to understand financial and cash flow analyses.
Highly developed negotiation 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
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