Mortgage Finance Banking Relationship Manager Sr

Flagstar Bank

17d • $104,899 - $243,612

About The Position

The Mortgage Finance Banking Relationship Manager Sr manages a portfolio of commercial banking clients with Mortgage Servicing Rights (MSR) and Mortgage Warehouse Lending credit facilities, including bilateral and syndicated arrangements. The role focuses on maintaining strong client relationships, delivering exceptional service, and growing revenue through proactive relationship management and new business development while meeting credit, legal, regulatory, and organizational requirements.

The position works closely with internal teams to manage risk, expand existing business, and implement credit-appropriate strategies. It also structures and manages credit facilities, monitors portfolio quality, develops prospective client and referral networks, and maintains expertise in mortgage banking finance and relevant market and regulatory developments. Some travel is required, with the amount depending on the assigned market.

Requirements

• High school diploma, high school equivalency, or foreign equivalent.
• At least 8 years of banking experience, 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.
• Self-driven ability to work independently and collaboratively.
• Demonstrated credit skills, including the ability to understand and interpret financial statements and cash-flow analysis.
• Ability to handle highly complex transactions and relationships.
• Excellent interpersonal, verbal, and written communication skills.
• Knowledge of regulatory compliance requirements.
• Ability to manage multiple priorities while providing exceptional customer service.
• Strong negotiation, financial analysis, credit analysis, relationship management, and business development or sales skills.
• Excellent customer service and community relations skills.
• Knowledge of banking regulations and compliance requirements, including Reg B, ECOA, HMDA, FIRREA, and CRA.
• Ability to build effective stakeholder relationships through clear communication, proactive collaboration, and cross-functional insights.
• Ability to identify client needs and deliver tailored solutions to improve the client experience.
• Some travel is required; the amount depends on the assigned market.
• No unusual physical exertion is involved.

Nice To Haves

• Undergraduate degree (four years or equivalent) in Finance, Economics, or a related subject.
• Formal credit training.
• Experience mentoring and developing less experienced team members.
• Experience using a calling strategy to contact prospects and clients and developing a personal network to source deals through centers of influence.

Responsibilities

• Maintain and deepen relationships with assigned commercial clients to maximize satisfaction and revenue.
• Collaborate with Treasury Management, Operations, Legal, Credit, and other internal teams to protect and expand existing business.
• Oversee invoicing, revenue collection, and documentation processes, including renewals and terminations.
• Monitor portfolio credit quality, review financial statements, and take or recommend appropriate actions.
• Identify and target prospective clients that align with Bank criteria.
• Build and maintain a pipeline of prospects and referral sources, including other banks, technology vendors, legal firms, and consultants.
• Partner with internal and external groups on credit reviews and presentations, legal documentation, and operational setup of new relationships.
• Represent the Bank at industry events and conferences to build brand presence and develop relationships.
• Structure and manage bilateral and syndicated credit facilities in partnership with the syndications team.
• Maintain expertise in Mortgage Banking Finance, including MSR and Mortgage Warehouse lending across bilateral and syndicated structures.
• Stay informed about market trends, industry developments, legislation, and regulatory changes.
• Use independent judgment and discretion to make decisions, and analyze and resolve problems.
• Perform special projects and additional duties as required.
• Adhere to regulatory and compliance policies and standards, complete required compliance training, and maintain compliance with applicable federal, state, and local laws and regulations.

Benefits

• Medical insurance
• Dental insurance
• Vision insurance
• Life insurance
• Disability insurance
• Comprehensive leave program
• Variable incentives, bonuses, commissions, or other awards may be included in total compensation, as outlined in the offer of employment.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED