Position Title Business Banking - Portfolio Manager II Location Nationwide, MI 48098 Job Summary The Business Banking - Portfolio Manager II is responsible for managing a portfolio of Small Business and/or Business Banking loans to ensure credit quality, compliance, and profitable growth. This role strengthens client relationships; monitors risk and supports the Bank’s lending strategy by delivering sound credit oversight and portfolio management that balance opportunities with prudent risk management. This role manages an assigned portfolio of Small Business and Business Banking loans, ensuring portfolio quality, compliance with credit policy, and alignment with the Bank’s growth objectives. This role partners with SBC’s, Relationship Managers, Credit Officers, and business leaders to structure credit solutions, monitor borrower performance, and identify emerging risks. By delivering accurate, timely portfolio reviews and recommendations, the Portfolio Manager II supports sound credit decisions that balance client needs with prudent risk management. Ultimately, this role contributes to sustaining strong client relationships, protecting the bank’s assets, and driving long-term profitability. Job Responsibilities: JOB RESPONSIBILITIES Credit & Portfolio Management • Manage an assigned portfolio of Small Business and/or Business Banking loans, ensuring credit structures remain appropriate and in compliance with Bank Credit Policy. • Conduct periodic reviews of borrower performance, analyzing repayment capacity, leverage, and key risk factors to provide well-documented recommendations. Proactively identify early warning signals and escalate issues, recommending modifications, renewals, or restructuring as appropriate. • Partner with SBC’s and Relationship Managers to deepen client relationships by providing credit expertise and supporting business development goals working with companies up to $30MM in revenue. • Engage with borrowers, attorneys, accountants, and other external advisors to validate financial performance and address portfolio issues. • Collaborate with Credit Officers and senior leaders to support credit decisions that balance client needs with prudent risk management. Portfolio Monitoring & Compliance • Track the receipt of financial statements, tax returns, borrowing base certificates, guarantor information, and covenant compliance documentation. • Monitor adherence to financial covenants and loan terms, preparing detailed reports on portfolio risk trends and exceptions. • Ensure portfolio management activities adhere to regulatory and compliance requirements, mitigating risk exposure to the bank. 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 trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations. JOB REQUIREMENTS Required Qualifications: • Education level required: Undergraduate Degree (4 years or equivalent) in Business, Finance, or related field. • Minimum experience required: 4+ Years of experience in credit analyst, portfolio management or commercial/consumer lending. Job Competencies: • Strong knowledge of financial statements and credit analysis techniques. • Proficiency in Microsoft Word, Excel, Outlook, and financial research tools. • Excellent analytical, problem-solving, and decision-making skills. • Strong written and verbal communication skills, with ability to influence and build trusted relationships. • Effective organizational skills and attention to detail; able to manage deadlines in a fast-paced environment. • Customer-oriented, proactive, and collaborative in approach to portfolio management. • Must be customer-oriented, self-motivated, entrepreneurial, and innovative. • 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. • Ability to travel as needed • Physical demands (ADA): The job requires a moderate degree of physical exertion and stamina such as standing, sitting, walking, driving or infrequent lifting. Flagstar is an Equal Opportunity Employer - Vets/Disabled 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 Pay Range $66,622.50 - $103,929.00 Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as appliable.