Business Development Officer - Business Banking-3
Flagstar Bank · Clinton Township, MI · Yesterday
Business Development$75k–$126k/yrFull-time
We need to output HTML fragment with sections: About the role (job summary), Responsibilities, Requirements, Qualifications? Actually we have Job Summary, Job Responsibilities, Job Requirements (including Required Qualifications and Preferred Qualifications), Job Competencies, Additional Accountabilities, Pay Range, Benefits mention, Travel note, Physical demands, EEO etc. We must remove boilerplate: cookie/navigation/legal/EEO/equal-opportunity/scam-warning, duplicated lines, application instructions. Also remove "Flagstar is an Equal Opportunity Employer" etc. Also remove "We are committed to providing clear and accurate compensation information..." maybe keep pay range? The instruction: include a section ONLY when posting has real, specific content for it — never emit a heading followed by filler/placeholder text (e.g. "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless the posting actually states them. The posting includes Pay Range $74,916.75 - $126,402.00. Also mentions benefits: "Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: Benefits | Flagstar Bank". That's a link; we can include Benefits section with that info (but not the link? We can keep description). Should we include the link? Probably keep the description but not the link as it's an instruction? It's not application instruction; it's a link to benefits. Might keep as part of Benefits section.
Also "Some travel is required for client meetings, networking events, industry conferences, and periodic team collaboration sessions." That's schedule/travel info; we could put under Schedule? The instruction: Use for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we can have Schedule section for travel. Also Physical demands maybe not needed; it's boilerplate? It's not EEO but it's a statement about physical demands; maybe we can include under Requirements? But it's not a qualification; it's a note. Could drop as boilerplate? It's not EEO but it's a standard ADA statement; maybe considered boilerplate? The instruction says remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate. Physical demands might be considered legal boilerplate; safer to drop.
Also "Additional Accountabilities" includes special projects etc. Could be part of Responsibilities or Requirements? Might be its own section? Could incorporate into Responsibilities.
We need to preserve ALL substantive information; do not invent or summarize away detail. So we need to keep all details from responsibilities, requirements, qualifications, competencies, pay range, benefits, travel.
We must not repeat job title as heading. So start with
for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we can have Schedule section for travel. Also Physical demands maybe not needed; it's boilerplate? It's not EEO but it's a statement about physical demands; maybe we can include under Requirements? But it's not a qualification; it's a note. Could drop as boilerplate? It's not EEO but it's a standard ADA statement; maybe considered boilerplate? The instruction says remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate. Physical demands might be considered legal boilerplate; safer to drop.
Also "Additional Accountabilities" includes special projects etc. Could be part of Responsibilities or Requirements? Might be its own section? Could incorporate into Responsibilities.
We need to preserve ALL substantive information; do not invent or summarize away detail. So we need to keep all details from responsibilities, requirements, qualifications, competencies, pay range, benefits, travel.
We must not repeat job title as heading. So start with About the role
containing job summary.
Then Responsibilities
with - items for each bullet.
We have responsibilities broken into sections: New Client Acquisition & Prospecting, Sales Execution & Pipeline Management, Credit & Financial Solutions, Collaboration & Pod Partnership, Market Intelligence & Strategy, Risk Management & Compliance, Additional Accountabilities.
We need to list each bullet as
- . Should we keep the subheadings? Could embed as part of li text. Probably keep as plain li with the description.
We must not duplicate lines. Ensure we capture each responsibility exactly.
Let's extract responsibilities text:
From posting:
New Client Acquisition & Prospecting
- Proactively identify, source, and pursue new business banking relationships within the $10M–$50M revenue segment
- Develop and execute a disciplined prospecting strategy leveraging market intelligence, referral networks, and centers of influence (COIs)
- Build and maintain a robust pipeline of qualified opportunities through consistent outreach, networking, and community engagement
- Represent Flagstar Bank at industry conferences, networking events, and professional associations to build brand awareness and generate leads
Sales Execution & Pipeline Management
- Manage the full business development lifecycle from initial contact through proposal delivery and commitment
- Prepare and deliver compelling presentations and proposals tailored to prospect needs
- Negotiate terms on straightforward credit requests and coordinate with the Relationship Manager on more complex structures
- Maintain accurate and timely pipeline reporting within the CRM platform, including activity tracking, forecasting, and conversion metrics
Credit & Financial Solutions
- Originate and structure smaller, straightforward credit requests (e.g., lines of credit, term loans, owner-occupied real estate) within established parameters
- Analyze prospect financial statements and assess credit fit to determine alignment with Flagstar's risk appetite
- Partner with the Relationship Manager to transition complex credit structures and ensure seamless handoff
- Position the full suite of Flagstar products including deposits, treasury management, payments, and merchant services
Collaboration & Pod Partnership
- Operate as an integral member of the Business Banking pod (BDO + RM + BBS), ensuring coordinated client coverage and communication
- Facilitate warm handoffs of newly acquired clients to the Relationship Manager and Business Banking Specialist for onboarding and ongoing servicing
- Collaborate with internal product partners including Treasury Management, Payments, Wealth Management, and Commercial Real Estate to deliver comprehensive solutions
- Share market intelligence and competitive insights with the pod and broader Business Banking leadership
Market Intelligence & Strategy
- Monitor market trends, competitor activity, and industry developments within assigned markets
- Identify high-value growth opportunities and recommend strategic pursuit decisions to leadership
- Contribute to the development of go-to-market strategies and segment-specific campaigns
- Provide regular market feedback to inform product development and pricing decisions
Risk Management & Compliance
- Adhere to all bank policies, procedures, and regulatory requirements in the execution of business development activities
- Demonstrate sound judgment in assessing and mitigating risk across all client interactions
- Ensure all prospect and client interactions are documented in accordance with compliance standards
- Support the bank's Enterprise Risk Management framework through proactive identification of potential risks
- Uses independent judgement and discretion to make decisions
- Analyzes and resolves problems
Additional Accountabilities
- 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 training.
- Accountable to maintain compliance with applicable federal, state and local laws and regulations.
Now Job Requirements: Required Qualifications and Preferred Qualifications.
Required Qualifications:
- Education level required: High School / High School Equivalency (GED, HiSET, TASC) / Foreign Equivalent
- Minimum experience required: 6+ Years of experience in commercial/business banking, business development, or relationship-based sales
- Demonstrated track record of sourcing, qualifying, and originating new commercial client relationships
- Working knowledge of commercial lending products, deposit solutions, and treasury management services
- Strong communication, presentation, and relationship-building skills
- Proficiency with CRM platforms and Microsoft Office Suite
- Ability to travel within assigned markets as needed
Preferred Qualifications:
- Education level preferred: Undergraduate Degree (4 years or equivalent) in Business, Finance, Account, or some other related field
- Experience in business banking or commercial banking with a focus on the $10M–$50M client segment
- Formal credit training or underwriting experience
- Established network of centers of influence, sponsors, and referral sources within target markets
- Experience working within a team-based or pod coverage model
- Knowledge of treasury management, payments, and cash management solutions
- Advanced consultative selling skills with the ability to diagnose client needs and deliver tailored financial solutions
Job Competencies: list of competencies with descriptions.
We need to decide whether to include a Competencies section. The instruction list includes Skills as possible heading. Could use Skills heading for competencies. But we already have Requirements and Qualifications. Could combine? The instruction: Use
for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we can have separate sections for Requirements and Qualifications, or combine? The posting separates Required Qualifications and Preferred Qualifications. Could put both under Requirements heading, with sub-bullets marking required vs preferred. Or we could have Requirements and Qualifications separate: maybe Requirements = required qualifications, Qualifications = preferred qualifications. But the instruction says we can use those headings. Let's do:
Requirements
for required qualifications.
Qualifications
for preferred qualifications.
Then maybe Skills
for competencies.
But we also have Benefits, Pay, Schedule.
Benefits: description of benefits.
Pay: Pay Range.
Schedule: travel note.
We must not create sections with filler text. All have real content.
Now we need to output only HTML fragment, no /, no markdown.
Let's craft.
We'll start with About the role
Job Summary ...
Job Summary text: "The Business Development Officer is a key revenue-generating role within Flagstar's Business Banking division, responsible for the acquisition of new client relationships within the $10M–$50M annual revenue segment. This role operates within a collaborative pod structure alongside a Relationship Manager (RM) and Business Banking Specialist (BBS), ensuring a seamless client experience from prospecting through onboarding and long-term servicing. The BDO serves as the front line of growth for the bank—identifying, qualifying, and converting new business opportunities while representing Flagstar's brand and capabilities in the marketplace."
Now Responsibilities: Responsibilities
... each li.
We need to include all bullet points exactly as given.
Let's list them:
- Proactively identify, source, and pursue new business banking relationships within the $10M–$50M revenue segment
- Develop and execute a disciplined prospecting strategy leveraging market intelligence, referral networks, and centers of influence (COIs)
- Build and maintain a robust pipeline of qualified opportunities through consistent outreach, networking, and community engagement
- Represent Flagstar Bank at industry conferences, networking events, and professional associations to build brand awareness and generate leads
- Manage the full business development lifecycle from initial contact through proposal delivery and commitment
- Prepare and deliver compelling presentations and proposals tailored to prospect needs
- Negotiate terms on straightforward credit requests and coordinate with the Relationship Manager on more complex structures
- Maintain accurate and timely pipeline reporting within the CRM platform, including activity tracking, forecasting, and conversion metrics
- Originate and structure smaller, straightforward credit requests (e.g., lines of credit, term loans, owner-occupied real estate) within established parameters
- Analyze prospect financial statements and assess credit fit to determine alignment with Flagstar's risk appetite
- Partner with the Relationship Manager to transition complex credit structures and ensure seamless handoff
- Position the full suite of Flagstar products including deposits, treasury management, payments, and merchant services
- Operate as an integral member of the Business Banking pod (BDO + RM + BBS), ensuring coordinated client coverage and communication
- Facilitate warm handoffs of newly acquired clients to the Relationship Manager and Business Banking Specialist for onboarding and ongoing servicing
- Collaborate with internal product partners including Treasury Management, Payments, Wealth Management, and Commercial Real Estate to deliver comprehensive solutions
- Share market intelligence and competitive insights with the pod and broader Business Banking leadership
- Monitor market trends, competitor activity, and industry developments within assigned markets
- Identify high-value growth opportunities and recommend strategic pursuit decisions to leadership
- Contribute to the development of go-to-market strategies and segment-specific campaigns
- Provide regular market feedback to inform product development and pricing decisions
- Adhere to all bank policies, procedures, and regulatory requirements in the execution of business development activities
- Demonstrate sound judgment in assessing and mitigating risk across all client interactions
- Ensure all prospect and client interactions are documented in accordance with compliance standards
- Support the bank's Enterprise Risk Management framework through proactive identification of potential risks
- Uses independent judgement and discretion to make decisions
- Analyzes and resolves problems
- Performs special projects, and additional duties and responsibilities as required.
- Consistently adheres to regulatory and compliance policies and
for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we can have separate sections for Requirements and Qualifications, or combine? The posting separates Required Qualifications and Preferred Qualifications. Could put both under Requirements heading, with sub-bullets marking required vs preferred. Or we could have Requirements and Qualifications separate: maybe Requirements = required qualifications, Qualifications = preferred qualifications. But the instruction says we can use those headings. Let's do:
Requirements
for required qualifications.
Qualifications
for preferred qualifications.
Then maybe Skills
for competencies.
But we also have Benefits, Pay, Schedule.
Benefits: description of benefits.
Pay: Pay Range.
Schedule: travel note.
We must not create sections with filler text. All have real content.
Now we need to output only HTML fragment, no /, no markdown.
Let's craft.
We'll start with About the role
Job Summary ...
Job Summary text: "The Business Development Officer is a key revenue-generating role within Flagstar's Business Banking division, responsible for the acquisition of new client relationships within the $10M–$50M annual revenue segment. This role operates within a collaborative pod structure alongside a Relationship Manager (RM) and Business Banking Specialist (BBS), ensuring a seamless client experience from prospecting through onboarding and long-term servicing. The BDO serves as the front line of growth for the bank—identifying, qualifying, and converting new business opportunities while representing Flagstar's brand and capabilities in the marketplace." Now Responsibilities:Responsibilities
- ... each li.
We need to include all bullet points exactly as given.
Let's list them:
- Proactively identify, source, and pursue new business banking relationships within the $10M–$50M revenue segment
- Develop and execute a disciplined prospecting strategy leveraging market intelligence, referral networks, and centers of influence (COIs)
- Build and maintain a robust pipeline of qualified opportunities through consistent outreach, networking, and community engagement
- Represent Flagstar Bank at industry conferences, networking events, and professional associations to build brand awareness and generate leads
- Manage the full business development lifecycle from initial contact through proposal delivery and commitment
- Prepare and deliver compelling presentations and proposals tailored to prospect needs
- Negotiate terms on straightforward credit requests and coordinate with the Relationship Manager on more complex structures
- Maintain accurate and timely pipeline reporting within the CRM platform, including activity tracking, forecasting, and conversion metrics
- Originate and structure smaller, straightforward credit requests (e.g., lines of credit, term loans, owner-occupied real estate) within established parameters
- Analyze prospect financial statements and assess credit fit to determine alignment with Flagstar's risk appetite
- Partner with the Relationship Manager to transition complex credit structures and ensure seamless handoff
- Position the full suite of Flagstar products including deposits, treasury management, payments, and merchant services
- Operate as an integral member of the Business Banking pod (BDO + RM + BBS), ensuring coordinated client coverage and communication
- Facilitate warm handoffs of newly acquired clients to the Relationship Manager and Business Banking Specialist for onboarding and ongoing servicing
- Collaborate with internal product partners including Treasury Management, Payments, Wealth Management, and Commercial Real Estate to deliver comprehensive solutions
- Share market intelligence and competitive insights with the pod and broader Business Banking leadership
- Monitor market trends, competitor activity, and industry developments within assigned markets
- Identify high-value growth opportunities and recommend strategic pursuit decisions to leadership
- Contribute to the development of go-to-market strategies and segment-specific campaigns
- Provide regular market feedback to inform product development and pricing decisions
- Adhere to all bank policies, procedures, and regulatory requirements in the execution of business development activities
- Demonstrate sound judgment in assessing and mitigating risk across all client interactions
- Ensure all prospect and client interactions are documented in accordance with compliance standards
- Support the bank's Enterprise Risk Management framework through proactive identification of potential risks
- Uses independent judgement and discretion to make decisions
- Analyzes and resolves problems
- Performs special projects, and additional duties and responsibilities as required.
- Consistently adheres to regulatory and compliance policies and