CRE Credit Products Portfolio Manager Sr

Flagstar Bank•New York, NY

4d•$106,024 - $165,862

About The Position

The Senior CRE Credit Products Portfolio Manager is a strategic advisor responsible for structuring, negotiating, and managing highly complex commercial credit relationships. The role influences credit strategy through market insights, proactive risk identification, and innovative deal structuring. It supports long-term portfolio health and the bank’s growth objectives, while mentoring junior credit professionals and shaping underwriting and risk management practices.

Requirements

Undergraduate degree (four years or equivalent) in Finance, Accounting, Economics, or a related field, or 12+ years of equivalent experience.
10+ years of experience in commercial credit analysis, structuring, underwriting, portfolio management, and risk analysis.
Deep expertise in structuring and negotiating complex credit agreements.
Strong leadership skills and the ability to influence credit strategy and policy.
In-depth understanding of macroeconomic factors and their impact on credit risk.
Proven ability to manage large portfolios and advise senior executives.
Exceptional communication and stakeholder management skills.
As relevant to the supported line of business, familiarity with legal documentation such as credit agreements; ability to develop junior associates, interact with internal and external legal counsel, and negotiate directly with clients.
Ability to assess portfolio risk at a macro level and identify patterns and trends that inform credit strategy.
Ability to communicate complex credit decisions clearly and persuasively to internal and external stakeholders.
Ability to build and maintain effective stakeholder relationships through clear communication, proactive collaboration, and cross-functional insights.
Ability to identify client needs and deliver tailored solutions.

Nice To Haves

Master's degree or postgraduate equivalent.
MBA or CFA.

Responsibilities

Lead the structuring, analysis, and approval of highly complex credit transactions, balancing risk with business needs.
Monitor portfolio risk and identify industry trends and economic factors affecting credit quality.
Partner with relationship managers and senior leadership on credit negotiations and deal execution.
Work with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
Mentor and train junior credit professionals in credit risk best practices.
Identify and raise opportunities to improve credit processes and procedures to senior leadership.
Exercise independent judgment and discretion in decisions regarding the assigned portfolio.
Analyze and resolve problems related to the assigned portfolio.
Perform special projects and additional duties and responsibilities as required.
Adhere to applicable regulatory and compliance policies, standards, laws, and regulations, and complete required compliance training.