Flagstar Bank

• Designing creative assets/providing design support utilizing strong communication and collaboration skills. • Work may cross several business units and support areas. • Collaborate with writers and other designers (internal or agency resources) when needed. • Must be able to present work, and associated rationale, to marketing partners and key stakeholders. • Assisting Sr Graphic Designers with organizing assets/files, supporting one-off simple production requests (e.g., logo requests). • Attending work start meetings, briefings, creative team meetings, creative reviews and process improvement workshops. • Backing up Traffic Manager as Workfront Administrator. • Participating on special projects as assigned by Brand & Experience leadership (e.g., creative process improvements).

Role Description The Senior Closing Specialist - Credit Products handles all aspects of the loan closing process for both standard and complex Commercial and Industrial (C&I) transactions. This role serves as a subject matter expert and main liaison between lending, legal, and third-party providers. The Senior Closing Specialist ensures full alignment with credit approval terms and leads coordination of all activities leading to successful loan funding and booking. Job Responsibilities - Complex Loan Closing Coordination: Act as the lead closing contact for PCG, Credit Products Specialists, Legal, Title, and Escrow following loan approval. Manage all activities and address escalations to ensure smooth execution. - Credit & Document Compliance: Conduct detailed reviews of complex loan documents for consistency with credit approvals. Resolve discrepancies in collaboration with appropriate parties. - Real Estate & Title Management: Engage directly with title companies and escrow agents on transactions involving real estate. Review and approve settlement statements and coordinate all funding logistics. - nCino & CRA Data Accuracy: Validate that CRA data is accurate and that all booking and closing documentation is correctly uploaded in nCino. - Booking/Funding Support: Prepare and upload all documents necessary to fund and book loans. Ensure timely and accurate processing of all closing tasks. - 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. Qualifications - Minimum experience required: 6+ Years of experience in commercial lending closing, preferably with experience handling complex transactions. Requirements - Advanced knowledge of commercial loan documentation, credit terms, legal coordination and closing workflows. - Strong communication and negotiation skills when working with internal and external partners. - Ability to lead complex closings and solve problems independently. - Proficiency in nCino, Nautilus, and MS Office Suite. - Ability to manage shifting priorities and multiple deal pipelines. - Physical demands (ADA): No unusual physical exertion is involved. Benefits - Access to a variety of benefits including medical, dental, vision, life, and disability insurance. - Comprehensive leave program. Pay Range $75,295.50 - $117,009.00

• Building and managing commercial loan relationships within the Sponsor industry • Generating new business development and relationships that will produce revenue from companies, sponsors, and the like • Orchestrating a team approach to managing relationships • Managing a commercial loan portfolio ensuring highest loan quality with minimal risk • Pro-active monitoring of the credit quality of the portfolio • Maintaining compliance with applicable laws, regulations, and guidelines • Performing special projects and additional duties as required

• Supports the Commercial Banking & Lending Business Risk & Controls Officer in the buildout, implementation, and consistent execution of a Risk Management framework within the 1st LOD. • Provides guidance in risk framework responsibilities with Business Process Owners (BPOs) in support of enterprise risk assessments, change management initiatives, customer complaint management, compliance testing, issue management, operational risk events, key risk indicators, control Identification and design, process taxonomy documentation, and quality assurance programs. • Leads risk management assessment of new products and services, including enterprise change management programs. • Provides risk advisory and guidance to the BPOs including process and control design, early risk identification, control environment operating effectiveness, and policies and procedures. • Provides guidance on assurance activities to help ensure that risk management frameworks and controls are effective to manage risks associated with the strategic plan of Commercial & Private Bank. • Directly engages with BPOs on identified operations risk incidents and issues in root-cause analysis, action plans, supporting documentation and testing of implemented controls to effectively remediate findings or issues. • Provides BPOs with risk advisory and guidance on project initiatives, risk assessments, and risk remediation efforts impacting the Business Units. • Supports activities to help ensure compliance with all enterprise compliance policies and standards, and management of compliance risks within the Bank’s risk appetite.

• Manage loan relationships within our Food and Beverage vertical • Generates new business and relationships that will produce revenue from companies • Responsible for the origination, negotiation, structuring, pricing, underwriting, and closing of loans • Manages a complex commercial loan portfolio ensuring the highest loan quality with minimal risk • Works with assigned portfolio managers to ensure proactive monitoring of credit quality • Collaborate with credit team and outside counsel as needed to prepare credit approval documents • Engage with sponsors and borrowers on idea generation and relevant opportunities to expand relationships • Stays abreast of industry trends and market conditions that could impact the assigned portfolio

Role Description The Sr. Customer Service Representative (“CSR”) will be responsible for answering inbound telephone calls from consumer & business banking customers regarding questions and issues on their accounts (e.g., account balance inquiries, online banking password reset requests, and debit card activation requests). Through the course of these conversations, the Sr. CSR will also create detailed documentation to ensure inquiries are handled in an accurate and timely manner and cross-selling basic products and services. Job Responsibilities - Customer Service - Handle all Banking call types, such as business banking and/or branch support, upon completion of additional call type training. - Use critical thinking skills, paired with knowledge of Flagstar procedures, to identify and communicate appropriate, accurate solutions to customers. - Perform and explain interest and product-related calculations. - Escalate issues to management and/or second levels appropriately. - Document case details in a thorough, accurate manner. - Capture complaint and Voice of the Customer feedback. - Document customer account maintenance requests for management and second level department review. - Meet and exceed customer satisfaction expectations. - Sales - Provide customers with information about basic products and services to generate additional revenue and/or increase Flagstar’s value proposition to customers. - Guide customers through and/or complete application process for advanced products. - Create sales referrals that include detailed prospect and product information. - Answer questions and overcome customer objections to close sales opportunities. - Operations/Training - Maintain familiarity with systems and applications to research inquiries. - Ensure familiarity with the most up-to-date policies and procedures to communicate accurate information to customers. - Complete required soft skills and additional call type training classes. - Complete all required eLearning classes. - Complete second level rotations to develop knowledge of sales process and operations. - Actively participate in monthly performance meetings; meet or exceed all performance metrics. - Recognize and communicate the need for potential additions and/or modifications to current policies and procedures. - Provide leadership to others through side-by-side coaching of new hires and existing agents on calls. - Perform additional responsibilities as assigned by management. - 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. Qualifications - Education level required: High School / High School Equivalency (GED, HiSET, TASC) / Foreign Equivalent. - Minimum experience required: 1+ Years Banking Experience and 2+ Years Customer Services Experience. Requirements - Prior knowledge of Call Center Operations. - Sales Experience. Job Competencies - Compliance - Ensures compliance with applicable federal, state, and local laws and regulations. Completes all required compliance training. Maintains knowledge of and adheres to Flagstar’s internal compliance policies and procedures. - Collaboration - Understands the importance of relationships to enable effective teamwork. Modifies personal style, focuses on the needs of others, and listens effectively to ensure effective outcomes for group endeavors. - Results Focus - Takes a dynamic approach to work characterized by initiating decisions and actions. Concentrates on achieving the outcomes of a process or project while adhering to the overall strategy of the organization. - Work Ethic - Demonstrates attributes of ethical behaviors, high personal standards, and sound work ethic all employers should expect of employees. - Communication - Excellent verbal and written communications skills as well as good listening skills and telephone technique with well-developed customer service skills. - Exceptional analytical and critical thinking skills and an ability to think quickly under pressure. - Ability and willingness to work in a team environment, demonstrated ability to look for ways to improve and promote quality. - Understanding of MS Office Suite with intermediate technical and computer skills; ability to navigate quickly within various computer programs. Benefits - Access to a variety of benefits including medical, dental, vision, life, and disability insurance. - Comprehensive leave program. Pay Range $17.47 - $27.90

• Oversee billing operations for high-value and complex client segments • Ensure accuracy, consistency, and scalability of billing processes • Serve as the subject matter expert (SME) on billing and account analysis practices • Lead initiatives to optimize billing models, pricing execution, and revenue capture • Perform in-depth profitability analysis, revenue optimization, and pricing strategy support • Deliver insights to senior leadership on billing trends, performance, and opportunities • Design and implement advanced reporting and dashboards • Design and enhance control frameworks for billing and account analysis processes • Lead audit engagements and remediation efforts

• Lead credit approval process for equipment finance transactions • Assess and evaluate credit risk for new and existing equipment finance customers • Develop and maintain credit policies and procedures • Monitor and manage the Equipment Finance portfolio performance • Serve as credit authority for equipment finance deals • Collaborate with business development and sales teams

Role Description A Treasury Management Product Manager II is responsible for the research, design, development, and delivery of new value-added products to augment and enhance product lines, improve competitive position, and increase revenues while ensuring compliance with industry regulations and rules. This role employs an end-to-end view of payment products across the enterprise, first taking measures of the bank’s current capabilities and then layering over these products the lens of the customer. The manager stays informed on evolving technologies and markets to ensure the bank is consistently at the forefront of the next generation of products and services. Collaborates with a cross-functional team of professionals to ensure integration with sales, marketing, operations, technology, and customer service; and to ensure products are launched in accordance with business needs and priorities. This role is a strategic thinking yet process-oriented professional with superior skills at managing projects. Job Responsibilities - Product Development & Management - Ideate and develop compelling products for Flagstar’s retail and wholesale clients. - Oversee product metrics, launches and product performance and ensure success against product goals and expectations. - Ensure continuous improvement in the product as well as ensure that product compliance meets market needs. - Keep abreast of industry – along with both traditional and non-traditional competition. - Manage the product lifecycle from conception to launch, guiding product introduction through development, business case, and implementation. - Work closely with MIS/Data science team and translate business requirements as required. - Strategy - Work closely with business leaders to understand business objectives. - Identify product opportunities and gaps for the organization, determine potential impact to financials, and inform multi-year product strategy and prioritization program. - Aggressively learn industry dynamics. - Understand and develop a perspective on payment industry – both traditional and non-traditional products and rails. - Develop, maintain and own product roadmap that balances: - Strategic objectives. - Capital investments. - Differentiation in the marketplace. - Customer experience. - Compliance & risk. - Sales & distribution needs. - Leadership, Organizational Alignment & Talent Management - Develop trusted partnerships within the enterprise; coach team to develop impactful partnerships. - Lead a matrix team, driving for outcomes adequately consulting and utilizing the partner groups like IT, HR, marketing, Audit, Risk etc. - Solve problems with creativity; have critical and open conversations to align organizational forces for creating sustainable competitive differentiation. - Play a lead role in marketing products. Ensure proper training and education on product positioning and functionality. - Ensure products resonate with customers through research and that product maintenance is continuous. - Actively promote and support the product portfolio throughout the organization. - Align organization – HR, compliance, risk, IT, finance and other support groups – for collaborative impact. - Uses independent judgement and discretion to make decisions. - Analyzes and resolves problems. Qualifications - Education level required: Undergraduate Degree (4 years or equivalent) in Business Administration, Economics, Marketing or related field. Banking experience in the same or similar role may be considered. - Minimum experience required: 4+ Years of experience researching, designing, developing, and/or delivering new value-added products in payments, banking or FinTech industry. - Experience developing and driving product strategy or sales. - Experience gathering and transforming customer and business needs into an actionable product roadmap that has driven business results. - Experience creating product artifacts, including market research summaries, competitive analyses, product comparisons, business cases, business and product requirements, business and product workflows, and customer journey maps. - Experience with digital product development, including ability to work cross-functionally to drive delivery. Preferred Qualifications - Education level preferred: Master's Degree (or Postgraduate equivalent). - Certified Treasury Professional CTP and/or Accredited ACH Professional (AAP) preferred. Job Competencies - Excellent interpersonal, verbal and written communication skills. - Wholesale receivables/payables solutions expertise. - Highly effective organizational and project management skills, strong attention-to-detail, independent, self-motivated with ability to manage multiple priorities in fast-paced environment. - Direct involvement and/or Voice with Receivables Networks, such as: NACHA, The Clearing House (TCH), AFP, external vendors, etc. - Ability to foster internal and external collaborative partnerships that deliver value for customers, partners and the organization. - Demonstrated continued growth of knowledge on understanding of treasury management products and services. - Expertise related to business cash flows, accounting processes and financial optimization. - Expertise in value propositions related to treasury management applications within a corporate treasury environment. - Expertise of both business and banking regulations such as UCC, Reg CC, Reg E and regulatory guidance/oversight. - Developed sales/negotiation aptitude and the ability to tactfully communicate at a senior executive level. - Ability to mobilize internal networks and resources to resolve a service challenge or develop a solution. - Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross-functional insights. - 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. - 75% - Travel to client offices, prospects, branches and various functions is a requirement of the position. - Physical demands (ADA): The job requires a moderate degree of physical exertion and stamina such as standing, sitting, walking, driving or infrequent lifting. Benefits - Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. - 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.

• Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures within the assigned specialized vertical or region. • Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns. • Partner with sales in negotiations and client discussions, ensuring alignment between client needs and risk appetite. • Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks. • Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture.