Senior Portfolio Manager - Specialty Finance

Position Title

Location

Job Summary

Job Responsibilities:

• Manage and monitor an assigned portfolio of ABL loans, ensuring compliance with credit approval terms, financial covenants, borrowing bases, and reporting requirements.

• Analyze borrower financials, collateral trends, borrowing base availability, and operational performance to assess credit risk and recommend appropriate actions.

• Partner with Relationship Managers and Credit Officers to structure and document amendments, renewals, and increases as needed.

• Conduct field exam reviews, appraisal analysis, and coordinate periodic audits with third-party vendors or internal teams.

• Prepare and present internal reporting, including risk ratings, portfolio reviews, and watchlist updates. Participate in portfolio reviews with senior leadership.

• Respond to borrower inquiries, support relationship development, and ensure a high standard of client service. Collaborate with Loan Operations and Treasury Management on loan setup, funding, and collateral management workflows.

• 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 standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.

Required Qualifications:

• Education level required: High School Diploma or equivalent

• Education level preferred: Undergraduate Degree (4 years or equivalent) in business, finance or some other related field.

• Minimum experience required: 7+ Years of experience in commercial lending or credit analysis, with preference for ABL exposure.

• Strong understanding of collateral monitoring, borrowing base certificates, and field exams.

• Excellent credit analysis, risk assessment, and decision-making skills.

• Proficiency in Microsoft Excel and working knowledge of financial statement analysis.

• Effective interpersonal and communication skills for internal and client-facing work.

• Formal credit training, preferred.

• Demonstrates 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.

• Physical demands (ADA): No unusual physical exertion is involved.

Flagstar is an Equal Opportunity Employer

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