Business Banking Specialist

Position Title: Business Banking SpecialistLocation: Work From Home MI, MI 48098Job SummaryThe Business Banking Specialist is a critical client-facing role within Flagstar's Business Banking division, responsible for client onboarding, ongoing servicing, and operational support for business clients within the $10M–$50M annual revenue segment. This role operates within a collaborative pod structure alongside a Business Development Officer (BDO) and Relationship Manager (RM), ensuring clients receive a seamless, high-quality banking experience from day one. The BBS serves as the operational backbone of the pod—coordinating across internal teams to deliver exceptional service, resolve client needs efficiently, and support the overall health and growth of the portfolio.Job ResponsibilitiesClient Onboarding & Account SetupLead the end-to-end client onboarding process for newly acquired business banking relationshipsCoordinate account opening documentation, KYC/BSA requirements, and system setup across internal departmentsEnsure a smooth transition from the Business Development Officer/Relationship Manager to active client statusServe as the primary point of contact for new clients during the onboarding period, setting expectations and providing guidance on available products and servicesConduct onboarding calls and welcome communications to establish a strong initial client experienceOngoing Client Servicing & SupportServe as the day-to-day operational contact for assigned business banking clients, resolving inquiries and service requests with urgency and professionalismManage routine client needs including account maintenance, online banking support, and product inquiriesProactively communicate with clients regarding account updates, product enhancements, and service changesIdentify and escape complex client issues to the BDO/RM or appropriate internal teams for resolutionMonitor client satisfaction and flag potential attrition risks to the pod teamDocumentation & Compliance CoordinationPrepare, collect, and review required documentation for account openings, credit facilities, and ongoing compliance requirementsEnsure all client files and records are maintained in accordance with bank policies and regulatory standardsSupport annual review processes by gathering financial statements, insurance certificates, and other required documentationCoordinate with Credit Administration, Legal, and Operations teams to ensure timely processing of client requestsCross-Functional Coordination & Pod SupportOperate as an integral member of the Business Banking pod (BDO + RM + BBS), ensuring coordinated client coverage and communicationSupport the Business Development Officer and Relationship Manager with research, preparation of client materials, and meeting coordinationCollaborate with internal product partners including Treasury Management, Payments, and Operations to deliver solutions and resolve issuesMaintain accurate client records, notes, and activity logs within the CRM platformAssist with pipeline tracking and reporting as neededReferral Identification & Portfolio Growth SupportIdentify opportunities to deepen client relationships through additional products and servicesGenerate qualified referrals to the Relationship Manager, Treasury Management, Wealth Management, and other internal partnersSupport client retention efforts by ensuring high service quality and proactive outreachAssist with client event coordination and communication campaignsRisk Management & ComplianceAdhere to all bank policies, procedures, and regulatory requirements in the execution of client servicing activitiesDemonstrate sound judgment in identifying and escalating potential risks, including fraud, compliance concerns, and operational issuesParticipate in required compliance training and maintain up-to-date knowledge of applicable regulationsSupport the bank's Enterprise Risk Management framework through diligent documentation and process adherenceUses independent judgement and discretion to make decisionsAnalyzes and resolves problemsUses independent judgement and discretion to make decisionsAnalyzes and resolves problemsAdditional AccountabilitiesPerforms 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.Job RequirementsRequired QualificationsEducation level required: High School / High School Equivalency (GED, HiSET, TASC) / Foreign EquivalentMinimum experience required: 4+ Years of experience in banking, financial services, or a client-facing support roleDemonstrated ability to manage multiple priorities and deliver high-quality service in a fast-paced environmentStrong written and verbal communication skillsProficiency with banking systems, CRM platforms, and Microsoft Office SuiteDetail-oriented with strong organizational and follow-through skillsPreferred QualificationsEducation level preferred: Undergraduate Degree (4 years or equivalent) in business, finance or some other related fieldExperience in business banking, commercial banking operations, or client servicingKnowledge of business banking products including deposits, lending, treasury management, and paymentsExperience with client onboarding processes, KYC/BSA documentation, and account administrationFamiliarity with commercial loan documentation and credit support functionsExperience working within a team-based or pod coverage modelProven ability to identify cross-sell opportunities and generate internal referralsJob CompetenciesClient Service Excellence: Commitment to delivering a differentiated, responsive, and proactive client experienceOperational Acumen: Strong understanding of banking operations, account administration, and documentation requirementsCommunication: Clear, professional communication with clients, partners, and internal teams—both written and verbalOrganization & Time Management: Ability to manage multiple client requests, deadlines, and priorities simultaneouslyAttention to Detail: Accuracy in documentation, data entry, and compliance-related tasksCollaboration: Effective teamwork within the pod structure and across functional departmentsProblem Solving: Ability to identify issues, research solutions, and resolve client concerns efficientlyRisk Awareness: Sound judgment in identifying and escalating potential risks and compliance concernsDemonstrates 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.Some travel may be required for periodic team collaboration sessions and client-facing activities.Physical demands (ADA): No unusual physical exertion is involved.Flagstar is an Equal Opportunity Employer - Vets/DisabledWe 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.Benefits | Flagstar BankPay Range$28.95 - $47.54J-18808-Ljbffr