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Position Title
Business Banking Specialist Location
Work From Home MI, MI 48098 Job Summary
The 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 Responsibilities:
JOB RESPONSIBILITIES
Client Onboarding & Account Setup
Lead the end-to-end client onboarding process for newly acquired business banking relationships Coordinate account opening documentation, KYC/BSA requirements, and system setup across internal departments Ensure a smooth transition from the Business Development Officer/Relationship Manager to active client status Serve as the primary point of contact for new clients during the onboarding period, setting expectations and providing guidance on available products and services Conduct onboarding calls and welcome communications to establish a strong initial client experience
Ongoing Client Servicing & Support
Serve as the day-to-day operational contact for assigned business banking clients, resolving inquiries and service requests with urgency and professionalism
Manage routine client needs including account maintenance, online banking support, and product inquiries
Proactively communicate with clients regarding account updates, product enhancements, and service changes
Identify and escalate complex client issues to the BDO/RM or appropriate internal teams for resolution
Monitor client satisfaction and flag potential attrition risks to the pod team
Documentation & Compliance Coordination
Prepare, collect, and review required documentation for account openings, credit facilities, and ongoing compliance requirements
Ensure all client files and records are maintained in accordance with bank policies and regulatory standards
Support annual review processes by gathering financial statements, insurance certificates, and other required documentation
Coordinate with Credit Administration, Legal, and Operations teams to ensure timely processing of client requests
Cross-Functional Coordination & Pod Support
Operate as an integral member of the Business Banking pod (BDO + RM + BBS), ensuring coordinated client coverage and communication
Support the Business Development Officer and Relationship Manager with research, preparation of client materials, and meeting coordination
Collaborate with internal product partners including Treasury Management, Payments, and Operations to deliver solutions and resolve issues
Maintain accurate client records, notes, and activity logs within the CRM platform
Assist with pipeline tracking and reporting as needed
Referral Identification & Portfolio Growth Support
Identify opportunities to deepen client relationships through additional products and services
Generate qualified referrals to the Relationship Manager, Treasury Management, Wealth Management, and other internal partners
Support client retention efforts by ensuring high service quality and proactive outreach
Assist with client event coordination and communication campaigns
Risk Management & Compliance
Adhere to all bank policies, procedures, and regulatory requirements in the execution of client servicing activities
Demonstrate sound judgment in identifying and escalating potential risks, including fraud, compliance concerns, and operational issues
Participate in required compliance training and maintain up-to-date knowledge of applicable regulations
Support the bank's Enterprise Risk Management framework through diligent documentation and process adherence
Uses independent judgement and discretion to make decisions
Analyzes and resolves problems
ADDITIONAL ACCOUNTABILITIES
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 training. Accountable to maintain compliance with applicable federal, state and local laws and regulations.
JOB REQUIREMENTS
Required Qualifications:
Education level required: High School / High School Equivalency (GED, HiSET, TASC) / Foreign Equivalent
Minimum experience required: 4+ Years of experience in banking, financial services, or a client-facing support role
Demonstrated ability to manage multiple priorities and deliver high-quality service in a fast-paced environment
Strong written and verbal communication skills
Proficiency with banking systems, CRM platforms, and Microsoft Office Suite
Detail-oriented with strong organizational and follow-through skills
Preferred Qualifications:
Education level preferred: Undergraduate Degree (4 years or equivalent) in business, finance or some other related field
Experience in business banking, commercial banking operations, or client servicing
Knowledge of business banking products including deposits, lending, treasury management, and payments
Experience with client onboarding processes, KYC/BSA documentation, and account administration
Familiarity with commercial loan documentation and credit support functions
Experience working within a team-based or pod coverage model
Proven ability to identify cross-sell opportunities and generate internal referrals
Job Competencies:
Client Service Excellence: Commitment to delivering a differentiated, responsive, and proactive client experience
Operational Acumen: Strong understanding of banking operations, account administration, and documentation requirements
Communication: Clear, professional communication with clients, partners, and internal teams—both written and verbal
Organization & Time Management: Ability to manage multiple client requests, deadlines, and priorities simultaneously
Attention to Detail: Accuracy in documentation, data entry, and compliance-related tasks
Collaboration: Effective teamwork within the pod structure and across functional departments
Problem Solving: Ability to identify issues, research solutions, and resolve client concerns efficiently
Risk Awareness: Sound judgment in identifying and escalating potential risks and compliance concerns
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.
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
We 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. Please click the following link for detailed information: Benefits | Flagstar Bank
