Type:

Full-Time Job Description:

Position Title Senior Small Business Banking Consultant Location Work From Home

FL, FL 32302

Job Summary A Senior Small Business Banking Consultant is responsible for meeting the needs of Small Business clients that are domiciled in the Consumer Bank. This involves both a reactive and proactive team approach, working directly with clients, branch bankers, underwriters, and product specialists through telephone contact. Primary responsibility is to manage and grow Small Business client relationships, including sole proprietors, non-profits, and employer firms. Acts as an expert advisor to the Small Business owner on financial management covering a full range of financial products and services including deposits, loans, credit cards, merchant services, payroll, ACH/Wires, treasury services, insurance, and investments. Performance goals include growth of and retention of client relationships and service excellence. Small Business Banking deals are typically $10K - $2.5MM in loan exposure for internally generated referrals; however, based on the consultant's skill level can range up to $5MM or more in exposure for externally generated referrals from COIs, etc.

Job Responsibilities:

JOB RESPONSIBILITIES

Meets with clients via telephone to assess client needs, review their financial management practices and solutions, conduct a cash cycle conversation, and make recommendations for products and services where needed. Performs application and fulfillment process directly on some solutions. Makes referrals to product and fulfillment experts as required. Manage/solve complex servicing issues for clients, by maintaining a strong understanding of resources within Flagstar. Proactively contacts targeted clients, sharing with them the impact Flagstar can have on their Small Business and setting up appointments for deeper conversations and a complete financial review. Facilitates credit requests within Consumer Bank thresholds and refer larger credit opportunities to the Commercial Bank. Facilitates referrals to Treasury Management Team. Meets individual performance goals of revenue/profit growth matrix on a quarterly basis.

ADDITIONAL ACCOUNTABILITIES

Performs special projects, and additional duties and responsibilities as required . C onsistently adhere s 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 a n d regulations.

JOB REQUIREMENTS

Required Qualifications:

Education level required: Undergraduate Degree (4 years or equivalent) Equivalent experience may substitute.

Minimum experience required:

7+ Years of sales/client relationship management experience in banking/financial products, including significant experience with small business clients.

Preferred Qualifications:

Education level preferred: Undergraduate Degree (4 years or equivalent) in business related major. 7 years or more experience as a Small Business Banker, Business Banking Relationship Manager, or Branch Leader/Manager 7 years or more phone-based sales experience of banking/financial products or solutions. Formal credit training. Small business banking sales training. Experience working with less experienced team members to mentor and develop them, sharing expertise and insights.

Job Competencies:

Excellent knowledge of how a business operates and the full set of financial solutions needed by a small business. In-depth knowledge of financial services sales process and cycle. Excellent knowledge of small business deposit and lending products. Demonstrated ability to conduct business at the highest level of complexity via telephone, including proactive client contact, building rapport, understanding client needs, conducting in-depth financial reviews, and effectively communicating solutions that meet client needs. Demonstrated credit acumen skills with the ability to understand as well as interpret financial statements and cash flow analysis. Demonstrated prospecting, relationship management, and sales skills. Excellent interpersonal, verbal and written communication skills. Strong negotiation and influencing skills. Excellent customer service and community relations skills. Strong knowledge of banking regulations, compliance, and requirements (e.g., Reg B, ECOA, HMDA, FIRREA, CRA, etc.). Mentors and trains less experienced Small Business Banking Consultants. 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. Fosters or supports a positive work culture and productive work environment, displaying importance of effective relationships with customers and stakeholders. Physical demands (ADA): No unusual physical exertion is involved. Flagstar is an Equal Opportunity Employer We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. 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Senior Small Business Banking Consultant