Commercial Sr. Portfolio Manager

Commercial Sr. Portfolio Manager - Flagstar Bank ## 📌 Core Information 🔹 **Job Title:** Commercial Sr. Portfolio Manager 🔹 **Company:** Flagstar Bank 🔹 **Location:** United States 🔹 **Job Type:** Full-time 🔹 **Category:** Commercial Real Estate --- ## 📌 Essential Job Details ### 🚀 Job Overview As a Senior Portfolio Manager in Flagstar Bank's Commercial Real Estate team, you will be responsible for conducting in-depth analysis of complex commercial real estate loan requests. You will play a crucial role in underwriting, approving, monitoring, and maintaining the credit quality of a diverse loan portfolio. Your expertise in credit analysis, industry research, and relationship management will be essential in providing comprehensive solutions to Flagstar's commercial clients. **ASSUMPTION:** The job description implies that this is a senior-level role within the commercial real estate lending division of Flagstar Bank. The responsibilities and qualifications suggest a seasoned professional with significant experience in the banking industry. --- ### 📋 Key Responsibilities ✅ Underwrite, structure, and analyze commercial loan requests in collaboration with Relationship Managers ✅ Prepare credit approval packages and present recommendations to the credit team and management ✅ Monitor the credit quality of an assigned portfolio by evaluating financial trends, covenant compliance, and borrowing bases ✅ Manage delinquencies and collateral exceptions within the portfolio ✅ Maintain strong relationships with clients and act as the key point of contact for financial matters ✅ Stay up-to-date with the latest commercial products and industry trends **ASSUMPTION:** The job description outlines the core responsibilities of a Senior Portfolio Manager in a commercial real estate lending role, which typically involve a mix of underwriting, credit analysis, portfolio management, and client relationship management. --- ### 🎯 Required Qualifications **Education:** Undergraduate degree (4 years or equivalent) in business, finance, or a related field **Experience:** 7+ years of experience in commercial portfolio management and/or credit analysis, preferably in the banking industry **Skills:** Advanced credit analysis skills, knowledge of financial statement analysis, proficiency in Microsoft Office suite, strong communication and problem-solving abilities **ASSUMPTION:** The qualifications outlined in the job description are standard for a senior-level commercial real estate lending role, requiring a combination of education, industry experience, and specialized skills. --- ### 💰 Compensation & Benefits **Salary Range:** Not specified **Benefits:** Not specified **ASSUMPTION:** Flagstar Bank, as a regional bank, likely offers competitive compensation and benefits packages for this senior-level role, including a base salary, performance-based bonuses, health insurance, retirement plans, and other standard industry benefits. However, without specific details provided, the exact compensation and benefits cannot be determined. --- ## 📌 Applicant Insights ### 🔍 Company Context **Industry Position:** Flagstar Bank is a regional bank with a significant presence in the commercial real estate lending market, particularly in the Midwest region of the United States. **Company Size:** Flagstar Bank is a publicly traded company with over $25 billion in assets, making it a mid-sized regional bank. **Company Stage:** Flagstar Bank is an established financial institution, having been in operation for over 30 years. **ASSUMPTION:** The information about Flagstar Bank's industry position, size, and stage is based on publicly available information about the company, as it is not explicitly stated in the job description. --- ### 📊 Role Analysis **Career Level:** This is a senior-level role, as indicated by the 7+ years of experience requirement and the scope of responsibilities. **Reporting Structure:** The job description does not specify the reporting structure, but it is likely that the Senior Portfolio Manager reports to a commercial real estate lending manager or director. **Team Size/Composition:** The job description does not provide details about the size or composition of the team, but it is reasonable to assume that the Senior Portfolio Manager would be part of a larger commercial real estate lending team. **Growth Opportunities:** The senior-level nature of this role suggests potential for career advancement within the commercial real estate lending division or broader banking operations at Flagstar Bank. **ASSUMPTION:** The analysis of the role's career level, reporting structure, team size/composition, and growth opportunities is based on industry standards and common practices for senior-level commercial real estate lending positions. --- ### 🌍 Location & Work Environment **Office Type:** The job description does not specify the work environment, but it is likely that this role is based in an office setting, with potential for some travel. **Geographic Context:** The job is located in the United States, but the specific city or region is not provided. However, the job is listed as being based in Troy, MI, which is a suburb of Detroit and a hub for the financial services industry in the Midwest. **Work Schedule:** The job description does not mention the work schedule, but it is reasonable to assume a standard full-time schedule of 40 hours per week, with the potential for occasional overtime or travel. **Regional Considerations:** The Midwest region, particularly the Detroit metropolitan area, is known for its strong financial services and commercial real estate industry, which may be relevant for applicants considering this role. **ASSUMPTION:** The details about the work environment, geographic context, and regional considerations are based on common industry practices and the location information provided in the job description. --- ### 💼 Interview & Application Insights **Typical Process:** The interview process for a senior-level commercial real estate lending role at Flagstar Bank may involve several rounds, including a phone screen, in-person interviews with the hiring manager and broader team, and potentially a skills assessment or case study. **Key Assessment Areas:** Employers in this industry typically evaluate candidates on their technical skills in credit analysis, financial modeling, and underwriting, as well as their ability to manage client relationships, work collaboratively, and demonstrate strong problem-solving and decision-making abilities. **Application Tips:** Applicants should highlight their relevant experience in commercial real estate lending, including specific examples of successful loan underwriting, portfolio management, and client interactions. They should also demonstrate their knowledge of industry trends, regulations, and best practices. **ATS Keywords:** Relevant keywords for this role may include "commercial real estate lending," "portfolio management," "credit analysis," "financial modeling," "client relationship management," and "banking." **ASSUMPTION:** The insights about the typical interview process, key assessment areas, application tips, and ATS keywords are based on standard industry practices for senior-level commercial real estate lending roles. --- ### 🛠️ Tools & Technologies The job description mentions familiarity with nCino/Salesforce, AFS, and Baker Hill/Experian as preferred qualifications, indicating that the Senior Portfolio Manager may use these tools and platforms in their day-to-day work. **ASSUMPTION:** In addition to the specific tools mentioned, the Senior Portfolio Manager may also use other common banking and commercial real estate lending software, such as financial analysis and reporting tools, portfolio management systems, and client relationship management platforms. --- ### 👔 Cultural Fit Considerations **Company Values:** Flagstar Bank's values are not explicitly stated in the job description, but as a regional bank, the company likely values attributes such as integrity, customer service, teamwork, and a commitment to the local community. **Work Style:** The job description suggests that the Senior Portfolio Manager should be able to work autonomously, handle multiple projects simultaneously, and adapt to new demands and challenges, indicating a fast-paced, dynamic work environment. **Self-Assessment:** Applicants should consider whether they thrive in a commercial lending environment that requires technical expertise, strong client relationships, and the ability to navigate complex financial transactions. **ASSUMPTION:** The insights about Flagstar Bank's company values and the work style for this role are based on common practices in the banking and commercial real estate lending industry, as well as the job description's emphasis on autonomy, adaptability, and problem-solving. --- ### ⚠️ Potential Challenges The Senior Portfolio Manager role may involve managing a significant workload, as they are responsible for underwriting, approving, and monitoring a diverse commercial real estate loan portfolio. Additionally, the need to maintain strong client relationships and stay up-to-date with industry trends may require a significant time commitment and adaptability to changing demands. **ASSUMPTION:** The potential challenges outlined are based on the broad scope of responsibilities and the senior-level nature of the role, which is common in commercial real estate lending positions. --- ### 📈 Similar Roles Comparison The Senior Portfolio Manager role at Flagstar Bank is similar to other senior-level commercial real estate lending positions in the banking industry, such as Commercial Loan Officer, Commercial Real Estate Underwriter, or Commercial Portfolio Manager. These roles typically involve a combination of credit analysis, portfolio management, and client relationship responsibilities, with a focus on providing comprehensive financial solutions to commercial clients. **ASSUMPTION:** The comparison to similar roles in the commercial real estate lending industry is based on common job functions and responsibilities within this sector. --- ### 📝 Sample Projects As a Senior Portfolio Manager at Flagstar Bank, you may be involved in the following types of projects: - Conducting in-depth financial analysis and underwriting for complex commercial real estate loan requests, including reviewing financial statements, evaluating collateral, and assessing risk - Monitoring the credit quality of an assigned loan portfolio by reviewing financial trends, covenant compliance, and borrowing bases, and addressing any delinquencies or collateral exceptions - Collaborating with Relationship Managers to develop tailored financing solutions for commercial clients, including structuring loan terms and presenting recommendations to the credit team - Researching industry trends and evaluating new commercial real estate lending products to identify opportunities for Flagstar Bank and its clients **ASSUMPTION:** The sample projects outlined are based on the key responsibilities listed in the job description and are typical of the work expected for a Senior Portfolio Manager in a commercial real estate lending role. --- ### ❓ Key Questions to Ask During Interview 1. Can you provide more details about the typical size and composition of the commercial real estate lending team I would be working with? 2. What are the company's primary goals and strategic priorities for the commercial real estate lending division? 3. Can you share examples of successful commercial real estate deals that the team has recently completed? 4. How does the company approach ongoing professional development and training for its senior portfolio managers? 5. What are the most significant industry trends or regulatory changes that are currently impacting the commercial real estate lending market? 6. Can you describe the decision-making process and level of autonomy that senior portfolio managers have when underwriting and approving loans? **ASSUMPTION:** These suggested interview questions are based on the job responsibilities and common areas of interest for a senior-level commercial real estate lending role, but may need to be adapted based on the specific interview context. --- ## 📌 Disclaimer ⚠️ **This enhanced job description was AI-generated based on the original job listing. Information has been organized and supplemented with industry-standard insights where details were not provided. All assumptions are explicitly labeled. Applicants should verify all details directly with the employer before making decisions based on this content.** --- ## 📌 Next Steps for Applicants To effectively pursue this opportunity as a Commercial Sr. Portfolio Manager at Flagstar Bank, applicants should: 1. Carefully review the job description and requirements to ensure they meet the qualifications. 2. Tailor their resume and cover letter to highlight their relevant experience in commercial real estate lending, credit analysis, and portfolio management. 3. Research Flagstar Bank's background, industry position, and commercial real estate lending focus to demonstrate their understanding of the company and role. 4. Prepare thoughtful questions for the interview that show their interest in the position and the company's strategic priorities. 5. Review common commercial real estate lending interview questions and practice demonstrating their technical skills, problem-solving abilities, and client relationship management experience. 6. Optimize their application for applicant tracking systems (ATS) by incorporating relevant keywords from the job description and industry. ## Visual Customization Guide Given that this is a senior-level role in the commercial real estate lending division of a regional bank, the visual elements and formatting should maintain a professional and formal tone. Some suggested customizations: - Use subtle, finance-oriented icons (e.g., dollar signs, graphs, handshakes) to highlight key information - Opt for a clean, structured layout with clear section headings and ample white space - Maintain a neutral color palette, such as blues, grays, and blacks, to convey a sense of stability and reliability - Incorporate Flagstar Bank's branding and color scheme, if available, to create a cohesive visual identity - Avoid overly casual or flashy design elements, as they may not align with the expected aesthetic for a commercial banking role The goal is to create a visually appealing and informative job listing that resonates with the target audience of experienced commercial real estate lending professionals.