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.
Job Responsibilities

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.
Job Requirements

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.
Equity and Diversity Statement

Flagstar is an Equal Opportunity Employer.

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