Flagstar Bank

Business Analyst

• Oversee billing operations for high-value and complex client segments
• Ensure accuracy, consistency, and scalability of billing processes
• Serve as the subject matter expert (SME) on billing and account analysis practices
• Lead initiatives to optimize billing models, pricing execution, and revenue capture
• Perform in-depth profitability analysis, revenue optimization, and pricing strategy support
• Deliver insights to senior leadership on billing trends, performance, and opportunities
• Design and implement advanced reporting and dashboards
• Design and enhance control frameworks for billing and account analysis processes
• Lead audit engagements and remediation efforts

Treasury Management Billing & Account Analysis Analyst I

Account Manager

• Manage loan relationships within our Food and Beverage vertical
• Generates new business and relationships that will produce revenue from companies
• Responsible for the origination, negotiation, structuring, pricing, underwriting, and closing of loans
• Manages a complex commercial loan portfolio ensuring the highest loan quality with minimal risk
• Works with assigned portfolio managers to ensure proactive monitoring of credit quality
• Collaborate with credit team and outside counsel as needed to prepare credit approval documents
• Engage with sponsors and borrowers on idea generation and relevant opportunities to expand relationships
• Stays abreast of industry trends and market conditions that could impact the assigned portfolio

Senior Relationship Manager – Food and Beverage

Risk

• Supports the Commercial Banking & Lending Business Risk & Controls Officer in the buildout, implementation, and consistent execution of a Risk Management framework within the 1st LOD.
• Provides guidance in risk framework responsibilities with Business Process Owners (BPOs) in support of enterprise risk assessments, change management initiatives, customer complaint management, compliance testing, issue management, operational risk events, key risk indicators, control Identification and design, process taxonomy documentation, and quality assurance programs.
• Leads risk management assessment of new products and services, including enterprise change management programs.
• Provides risk advisory and guidance to the BPOs including process and control design, early risk identification, control environment operating effectiveness, and policies and procedures.
• Provides guidance on assurance activities to help ensure that risk management frameworks and controls are effective to manage risks associated with the strategic plan of Commercial & Private Bank.
• Directly engages with BPOs on identified operations risk incidents and issues in root-cause analysis, action plans, supporting documentation and testing of implemented controls to effectively remediate findings or issues.
• Provides BPOs with risk advisory and guidance on project initiatives, risk assessments, and risk remediation efforts impacting the Business Units.
• Supports activities to help ensure compliance with all enterprise compliance policies and standards, and management of compliance risks within the Bank’s risk appetite.

Senior Associate – Commercial Banking, Lending Risk and Controls

Data Scientist

• Independently perform data analytics (ranging from data analysis, regression to machine learning)
• Present complex concepts in a format digestible by a diverse audience across the organization
• Build and improve the development of metrics, reports and analysis into BI dashboards that support a wide array of banking businesses
• Manage ongoing data analytics processes, document calculations, code, and adhere to proper risk and compliance practices
• Troubleshoot issues, suggest alternative approaches or controls to mitigate risks/gaps identified
• Develop and design data-driven solutions in the areas of client insights and segmentation, sales & marketing lead generation, performance analysis and product analytics
• Partner across the functions, including the line of businesses, IT, Data Office, and/or third-party vendors

Senior Data Scientist

• Building and managing commercial loan relationships within the Sponsor industry
• Generating new business development and relationships that will produce revenue from companies, sponsors, and the like
• Orchestrating a team approach to managing relationships
• Managing a commercial loan portfolio ensuring highest loan quality with minimal risk
• Pro-active monitoring of the credit quality of the portfolio
• Maintaining compliance with applicable laws, regulations, and guidelines
• Performing special projects and additional duties as required

Senior Relationship Manager – Sponsor

Product Manager

• A Treasury Management Product Manager II is responsible for the research, design, development, and delivery of new value-added products
• Employs an end-to-end view of payment products across the enterprise
• Collaborates with a cross functional team of professionals to ensure integration with sales, marketing, operations, technology, and customer service
• Manage the product lifecycle from conception to launch, guiding product introduction through development, business case, and implementation
• Identify product opportunities and gaps for the organization, determine potential impact to financials, and inform multi-year product strategy and prioritization program
• Develop trusted partnerships within the enterprise; coach team to develop impactful partnerships
• Lead a matrix team, driving for outcomes adequately consulting and utilizing the partner groups like IT, HR, marketing, Audit, Risk etc.

Product Manager – Cash and Treasury

General

• Support underwriting, structuring, and management of commercial credit relationships
• Assist RMs in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages
• Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions
• Work alongside sales and credit teams to structure deals, address underwriting inquiries, and support client needs
• Stay informed on market trends, credit policies, and risk mitigation techniques

Credit Products Specialist – I

• The Closing Specialist II - Credit Products handles all aspects of the loan closing process for standard and at times, complex transactions.
• Act as a point of contact for issues involving Sales associates, Credit associates, Legal, Title, and Escrow.
• Review documents and workflows to ensure compliance with approval terms.
• Independently manage a portfolio of loan closings.
• Review and negotiate legal documents and commitment letters; ensure all terms align with credit approval and policy.
• Coordinate with internal/external legal counsel, title agents, and insurance providers to facilitate closing.
• Ensure all closing conditions are met, documents are executed correctly, and deals are properly funded and booked.

Closing Specialist II – Credit Products

Financial Planning and Analysis

• Lead the structuring, analysis, and approval of highly complex credit transactions
• Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality
• Serve as a strategic partner to sales and senior leadership, offering expertise in credit negotiations and deal execution
• Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements
• Mentor junior credit professionals, providing training and leadership in credit risk best practices
• Proactively identify and raise to senior leadership improvement areas in credit processes and procedures
• Analyze and resolve problems pertaining to the assigned portfolio
• Perform special projects, and additional duties and responsibilities as required

Senior Credit Products Specialist – Equipment Finance

• Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures within the assigned specialized vertical or region.
• Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns.
• Partner with sales in negotiations and client discussions, ensuring alignment between client needs and risk appetite.
• Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks.
• Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture.

Credit Products Specialist II – Dealer Finance

• Develop and maintain customer relationships within Flagstar Finance & Leasing
• Originate new customer relationships through direct channels, primarily targeting middle market companies
• Develop partnerships with Flagstar bankers across Commercial and Private Banking Groups
• Leverage industry insight, product knowledge, and communication skills to develop strong relationships
• Achieve/exceed new business volume quotas and portfolio growth goals set annually by management
• Evaluate all aspects of potential transactions including financial position of clients and transaction structure
• Partner with credit and documentation teams to meet service expectations and manage risk
• Monitor existing client creditworthiness on an ongoing basis
• Analyze and resolve problems pertaining to client transactions and service levels

Executive Sales Officer

Review Appraiser

• Assist the Chief Appraiser with Department functions as needed/directed
• Reviews complex real estate valuation reports on properties pledged as collateral securing Commercial related loan transactions
• Provides written appraisal and evaluation review reports and validations of value reports on complex valuation reports
• Procures the appropriate valuation reports from qualified valuations vendors
• Interacts with appraisal and evaluation vendors, and Flagstar Bank Associates to facilitate the flow of required information and completion of valuation products in a timely manner

Senior Review Appraiser

• Lead underwriting efforts for complex corporate banking loan requests, assessing creditworthiness, preparing credit approval packages and recommending risk-mitigating structures
• Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns
• Partner with RMs in negotiations and client discussions, ensuring alignment between client needs and risk appetite
• Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks
• Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture

Credit Products Specialist II – Corporate Banking

• Complex Credit Structuring & Underwriting: Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs.
• Portfolio Strategy & Risk Oversight: Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
• Client & Executive Leadership Engagement: Serve as a strategic partner to RMs and senior leadership, offering expertise in credit negotiations and deal execution.
• Credit Agreement Negotiation: Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
• Team Leadership & Mentorship: Mentor junior credit professionals, providing training and leadership in credit risk best practices.

Senior Credit Products Specialist – Commercial Banking

• A Treasury Management-Product Manager Sr is responsible for the research, design, development, and delivery of new value-added products to augment and enhance product lines
• Employs an end-to-end view of payment products across the enterprise, ensuring integration with sales, marketing, operations, technology, and customer service
• Collaborates with a cross functional team to ensure product launches are in accordance with business needs and priorities
• Manage the product lifecycle from conception to launch, guiding product introduction through development, business case, and implementation
• Identify product opportunities and gaps, determining potential impacts to financials and informing multi-year product strategy