Relationship Manager Senior - Homebuilder Finance Job at Flagstar Bank (Houston)

Job Description

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 orchestrating 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 the on-going monitoring of portfolio quality and ensures compliance with applicable laws, regulations and guidelines. May mentor and assist less experienced Relationship Managers.

Job Responsibility

Develops new, profitable builder finance relationships
Prospects for new customers through leads developed personally or that come from referral sources
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, engage with sponsors and borrowers on idea generation and relevant opportunities to expand our relationship
Works with assigned portfolio managers to ensure pro-active 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 banks risk exposure to acceptable levels
Collaborating with Credit team and outside counsel as needed to prepare credit approval documents and managing 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 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

Requirements

Undergraduate Degree (4 years or equivalent) in business, finance or related field
10+ Years financing production homebuilders with at least 5 years in sales
Formal credit training program or experience in reading financial statements
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
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 overall client experience
Travel required (20%)
Physical demands (ADA): The job requires a moderate degree of physical exertion and stamina such as standing, sitting, walking, driving or infrequent lifting

Nice to have

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

What we offer

medical
dental
vision
life
disability insurance
comprehensive leave program

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Relationship Manager Senior - Homebuilder Finance

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