Senior Small Business Banking Consultant

This is a fully remote position, open to applicants in Florida.

📋 Description

• Engage with Small Business clients via telephone to evaluate their needs, review financial management practices and solutions, engage in cash cycle discussions, and suggest relevant products and services.

• Execute application and fulfillment processes for selected solutions.

• Direct clients to product and fulfillment specialists as necessary.

• Address and resolve intricate client servicing challenges utilizing Flagstar resources.

• Proactively reach out to targeted clients, articulate Flagstar’s influence on their businesses, and arrange appointments for more in-depth discussions and financial reviews.

• Manage credit requests within Consumer Bank parameters and refer larger opportunities to the Commercial Bank.

• Facilitate referrals to the Treasury Management Team.

• Achieve quarterly individual performance targets for revenue and profit growth.

• Undertake special projects and other responsibilities as needed.

• Comply with regulatory and compliance policies, standards, training, and relevant laws.

• Mentor and provide training to less experienced Small Business Banking Consultants.

• Establish and nurture effective relationships with stakeholders and clients, delivering customized financial solutions.

⛳️ Requirements

• Over 7 years of experience in sales or client relationship management within banking or financial products.

• Extensive experience working with small business clients.

• A four-year undergraduate degree or equivalent experience accepted as a substitute.

• Preferred: a degree in a business-related field.

• Preferred: 7+ years of experience as a Small Business Banker, Business Banking Relationship Manager, or Branch Leader/Manager.

• Preferred: 7+ years of experience in phone-based sales for banking or financial products or solutions.

• Formal credit training is preferred.

• Small business banking sales training is preferred.

• Experience in mentoring and developing junior team members is preferred.

• Strong understanding of business operations and financial solutions for small businesses.

• Comprehensive knowledge of financial services sales processes and cycles.

• Excellent understanding of small business deposit and lending products.

• Capability to conduct complex business interactions over the phone, including proactive client outreach, rapport building, needs assessment, financial reviews, and solution communication.

• Credit acumen, including the ability to interpret financial statements and perform cash flow analysis.

• Skills in prospecting, relationship management, and sales.

• Exceptional interpersonal, verbal, and written communication abilities.

• Strong negotiation and influencing capabilities.

• Excellent customer service and community engagement skills.

• Familiarity with banking regulations, compliance, and requirements, including Reg B, ECOA, HMDA, FIRREA, and CRA.

• Ability to mentor and train less experienced consultants.

• No unusual physical exertion is involved.

🏝️ Benefits

• Medical insurance

• Dental insurance

• Vision insurance

• Life insurance

• Disability insurance

• Comprehensive leave program

• Variable incentives, bonuses, commissions, or other awards may be included in total compensation