CRE Credit Products Portfolio Manager Sr-2

Flagstar Bank • Troy, MI

3d

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, while supporting long-term portfolio health and the bank’s growth objectives. The position also mentors junior credit professionals and helps shape underwriting and risk management practices.

The role partners with relationship managers, senior leadership, clients, legal counsel, and internal teams on credit strategy, portfolio oversight, negotiations, and deal execution. It uses independent judgment to make decisions about the assigned portfolio and analyzes and resolves portfolio-related problems. The position also performs special projects and other duties as required, and must comply with regulatory requirements, applicable laws, and required compliance training.

The position is located in Troy, Michigan. No unusual physical exertion is involved. The pay range is $106,023.75–$165,862.00. Flagstar offers access to medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program; total compensation may also include variable incentives, bonuses, commissions, or other awards.

Requirements

• Undergraduate degree (four years or equivalent) in Finance, Accounting, Economics, or a related field, or 12+ years of equivalent experience.
• At least 10 years of experience in commercial credit analysis or 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, knowledge of legal documentation such as credit agreements, with the ability to develop junior associates, work with internal and external legal counsel, and negotiate directly with clients.
• Knowledge of complex commercial lending structures, industry trends, and economic factors affecting credit risk.
• Ability to assess portfolio risk at a macro level and identify patterns and trends that inform credit strategy.
• Expertise in negotiating complex loan terms and working with legal counsel and senior relationship managers to finalize agreements.
• Knowledge of credit policies, compliance standards, and legal considerations in lending.
• Ability to communicate complex credit decisions clearly and persuasively and build effective stakeholder relationships through collaboration and tailored solutions.

Nice To Haves

• Master’s degree or postgraduate equivalent; an MBA or CFA is preferred.
• Ability to identify opportunities for process improvement, technology adoption, and implementation of best practices.

Responsibilities

• Lead the structuring, analysis, and approval of highly complex credit transactions, balancing risk with business needs.
• Monitor portfolio risk proactively 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 junior credit professionals and provide training and leadership in credit risk best practices.
• Identify and raise credit process and procedure improvement areas to senior leadership.
• Use independent judgment and discretion to make decisions regarding the assigned portfolio.
• Analyze and resolve problems pertaining to the assigned portfolio.
• Perform special projects and additional duties and responsibilities as required.
• Adhere to regulatory and compliance policies and standards, complete required compliance training, and maintain compliance with applicable federal, state, and local laws and regulations.

Benefits

• Medical insurance
• Dental insurance
• Vision insurance
• Life insurance
• Disability insurance
• Comprehensive leave program
• Total compensation may include variable incentives, bonuses, commissions, or other awards

What This Job Offers

• Job Type: Full-time
• Career Level: Senior