Senior Small Business Banking Consultant

About the role

A Senior Small Business Banking Consultant meets the needs of Small Business clients domiciled in the Consumer Bank through a reactive and proactive team approach, working directly with clients, branch bankers, underwriters, and product specialists via telephone. The primary responsibility is to manage and grow Small Business client relationships, including sole proprietors, non-profits, and employer firms. The role acts as an expert advisor to Small Business owners on financial management covering deposits, loans, credit cards, merchant services, payroll, ACH/Wires, treasury services, insurance, and investments. Performance goals include growth and retention of client relationships and service excellence.

Responsibilities

• Meets with clients via telephone to assess client needs, review financial management practices and solutions, conduct cash cycle conversations, and make product/service recommendations
• Performs application and fulfillment processes directly on some solutions; makes referrals to product and fulfillment experts as required
• Manages and solves complex servicing issues for clients by maintaining a strong understanding of resources within Flagstar
• Proactively contacts targeted clients, sharing Flagstar's impact on their Small Business and setting up appointments for deeper conversations and complete financial reviews
• Facilitates credit requests within Consumer Bank thresholds and refers 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
• Performs special projects and additional duties as required
• Consistently adheres to regulatory and compliance policies and standards; maintains compliance with applicable federal, state, and local laws and regulations

Requirements

• Undergraduate Degree (4 years or equivalent); equivalent experience may substitute
• 7+ years of sales/client relationship management experience in banking/financial products, including significant experience with small business clients

Preferred Qualifications

• Undergraduate Degree in business-related major
• 7+ years as a Small Business Banker, Business Banking Relationship Manager, or Branch Leader/Manager
• 7+ years phone-based sales experience of banking/financial products or solutions
• Formal credit training
• Small business banking sales training
• Experience mentoring and developing less experienced team members

Skills & Competencies

• Excellent knowledge of business operations and full set of financial solutions needed by small businesses
• 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, rapport building, needs assessment, in-depth financial reviews, and solution communication
• Demonstrated credit acumen with ability to 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 and compliance requirements (e.g., Reg B, ECOA, HMDA, FIRREA, CRA)
• Mentors and trains less experienced Small Business Banking Consultants
• Strong ability to build and maintain effective relationships with stakeholders through clear communication, proactive collaboration, and cross-functional insights
• Builds trusted client relationships by identifying needs and delivering tailored solutions to enhance client experience
• Fosters positive work culture and productive work environment

Pay

$78,401.25 - $124,432.00