Flagstar Bank

Financial Planning and Analysis

• 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.
• Identifies and raises to leadership improvement areas in credit processes and procedures
• Uses independent judgement and discretion to make decisions regarding assigned portfolio
• Analyzes and resolves problems pertaining to the assigned portfolio.

Credit Products Specialist II – Sponsor Finance

Account Manager

• Develops and maintains relationships to generate direct deal flow
• Coordinates the team approach to approving and closing new deals
• Works with assigned portfolio managers, engaging with sponsors and borrowers on idea generation
• Partners with management to create action plans that ensure the achievement of goals
• Works with assigned portfolio managers to ensure pro-active monitoring of the credit quality of the portfolio
• Stays abreast of industry trends and market conditions that could impact the assigned portfolio

Senior Relationship Manager – Insurance Banking

• Responsible for new business development and relationship management targeted to middle market companies
• Generate revenue by developing and maintaining relationships with identified companies/developers/managers
• Coordinate the team approach to approving and closing new deals to grow assets and revenues
• Ensure pro-actively monitoring credit quality of portfolio
• Stay abreast of industry trends and market conditions

Senior Relationship Manager – Middle Market

• Responsible for building and managing commercial loan relationships within Fund Finance
• Develops and maintains relationships to generate direct deal flow
• Coordinates the team approach to approving and closing new deals
• Works with assigned portfolio managers, engage with sponsors and borrowers on idea generation
• Partners with management to create action plans that ensure the achievement of goals
• Responsible for managing the banks risk exposure to acceptable levels
• Stays abreast of industry trends and market conditions

Senior Relationship Manager – Fund Finance

• Personally generate new commercial loan and lease production aligned with growth and profitability goals.
• Develop and manage a personal pipeline of qualified prospects through targeted calling and relationship development.
• Target, develop and onboard new dealer, vendor, and OEM relationships and programs.
• Structure deals, negotiate pricing, and evaluate client financials to assess transaction viability.
• Collaborate with credit, documentation, and operations partners to ensure timely and accurate deal execution.
• Recruit, hire, and onboard high-performing Executive Sales Officers.
• Provide ongoing coaching, training, and performance feedback to develop sales capabilities, credit acumen, and relationship management skills.
• Develop annual sales budgets and territory growth plans for team and self.

Executive Indirect Sales Manager

Accountant

• Support U.S. GAAP compliance on a company-wide basis.
• Assist in external reporting and SOX internal controls review.
• Collaborate with senior management to develop accounting policies.
• Perform and document analysis of accounting matters and provide recommendations.
• Assist in the compilation and review of SEC filings.

Senior Accountant

• Perform accounting functions including verifying, allocating, posting, and reconciling transactions
• Analyze financial information and summarize financial status
• Prepare monthly financial reports and accompanying schedules
• Assist in providing follow up and documentation of significant variances
• Support month-end close process and reporting process
• Plan, assign, and review staff’s work
• Respond to inquiries from senior managers
• Provide technical support to management
• Develop and document business processes and accounting policies
• Review and recommend modifications to accounting systems and procedures

Director

• Plays a crucial role in assuring the financial integrity and operational effectiveness of the bank.
• Oversees and directs the execution of audits to ensure operational efficiency in fieldwork.
• Assists in strategic initiatives within the Internal Audit Department.
• Serves as a key contributor to the long term strategy of the Audit Department.

Director – Internal Audit

Analyst

• Conduct financial spreading and risk rating analysis.
• Perform detailed credit due diligence and industry research.
• Prepare annual and periodic credit reviews.
• Monitor borrower performance and track financial covenants.
• Recommend risk rating adjustments based on financial trends.
• Assist Credit Products Specialists in structuring new loans and modifications.
• Prepare internal credit approval memoranda.
• Conduct market and collateral analysis.
• Review and interpret due diligence reports.
• Partner with Relationship Managers to prepare financing-related pitch materials.
• Work closely with RMs, Credit Officers, and Credit Products Specialists to provide data-driven insights.
• Contribute to process improvement initiatives.
• Continue professional development through credit training programs.

Credit Products Analyst II – Commercial Banking

• Support the underwriting, structuring, and management of commercial credit relationships
• Provide critical financial analysis and assist in risk assessment
• Structure new loan transactions and conduct portfolio monitoring
• Identify potential risks and ensure sound credit decision-making
• Be a key partner to sales and help address underwriting inquiries
• Mentor analysts and share expertise in financial analysis

Credit Products Specialist I – Sponsor Finance

Security Engineer

• Serves as the embedded security subject matter expert and thought lead for assigned product lines
• Partners with the Technology Line of Business Lead, Business Architect, and Business Unit Risk Manager (BURM)
• Cultivates a security-first culture, ensuring products are secure from design through deployment
• Owns application-specific security requirements, threat modeling, security architecture design
• Leads security testing, vulnerability assessments, penetration testing coordination
• Prepares and delivers Technology Review Board security artifacts
• Monitors Key Risk Indicators, manages emerging security issues

Product Security Principal

Affiliate Manager

• Partner with business stakeholders to elicit and document experience-driven requirements
• Author detailed functional requirements (FRs) and non-functional requirements (NFRs)
• Ensure requirements reflect the end-to-end customer and employee experience
• Collaborate with the Tech Lead and delivery teams to ensure requirements are feasible
• Validate that technology solution designs address the stated business requirements
• Maintain a requirements traceability matrix linking business outcomes to functional requirements

Technology Product Requirements Partner

• 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 identifies and raises to senior leadership improvement areas in credit processes and procedures

Senior Credit Products Specialist – Sponsor Finance

Operations

• Process and service construction and development loans, including draw disbursements, interest calculations, and loan funding activities.
• Review and validate borrower draw requests against approved budgets, construction schedules, and loan documentation.
• Ensure accurate system setup and maintenance of construction loan structures, including commitment amounts, budgets, and lien waivers.
• Monitor collateral documentation, title endorsements, and construction progress to ensure compliance with loan terms and risk controls.
• Coordinate with internal departments such as relationship managers, credit, and legal to resolve issues or obtain necessary approvals.
• Communicate directly with borrowers, title companies, and inspection vendors to track project milestones and ensure timely funding.
• Reconcile draw activity, balances, and interest reserves in the loan servicing system.
• Support reporting and tracking of loan funding pipelines, project status, and compliance exceptions.
• Maintain documentation and audit readiness for regulatory and internal reviews.
• Identify and escalate servicing issues, delays, or risk exposures related to construction lending activities.

Commercial Loan Operations Specialist

• This Senior Relationship Manager will be responsible for 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
• Generating deal flow directly from these clients/prospects (Sponsors) and orchestrating a team approach to the relationship is a key component and requirement of the job
• Responsibilities include origination, negotiation, structuring, pricing, underwriting, and closing of loans
• Managing a commercial loan portfolio which ranges from simple to complex, ensuring the highest loan quality for the organization with minimal risk
• Must be able to manage the on-going monitoring of portfolio quality and ensuring compliance with applicable laws, regulations and guidelines
• Develops and maintains relationships to generate direct deal flow
• Works with assigned portfolio managers, engage with sponsors and borrowers on idea generation and relevant opportunities to expand our relationship
• Partners with management to create action plans that ensure the achievement of goals
• Tracks production and revenue, and forecasting results for management based on existing pipelines
• 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 bank's risk exposure to acceptable levels
• Stays abreast of industry trends and market conditions that could impact the assigned portfolio of relationships and borrowers
• 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.

Credit Products Specialist II – Sponsor Finance

Senior Relationship Manager – Insurance Banking

Senior Relationship Manager – Middle Market

Senior Relationship Manager – Fund Finance

Executive Indirect Sales Manager

Senior Accountant

Senior Accountant

Director – Internal Audit

Credit Products Analyst II – Commercial Banking

Credit Products Specialist I – Sponsor Finance

Product Security Principal

Technology Product Requirements Partner

Senior Credit Products Specialist – Sponsor Finance

Commercial Loan Operations Specialist

Senior Relationship Manager – Sponsor