CRE Credit Products Portfolio Manager Sr-2
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 by providing market insights, identifying risk proactively, and developing innovative deal-structuring solutions. Using extensive credit analysis and portfolio management experience, the position supports long-term portfolio health and the bank’s growth objectives. It also serves as a mentor and thought leader, developing junior credit professionals and shaping underwriting and risk-management best practices. The role works with relationship managers, senior leadership, clients, legal counsel, and internal teams on credit strategy, deal execution, and credit agreement negotiations. It exercises independent judgment and discretion in decisions for its assigned portfolio, resolves portfolio-related problems, and may perform special projects and additional duties as required. The position must adhere to applicable regulatory and compliance policies, standards, laws, and regulations and complete required compliance training. The position is based in Troy, Michigan. Flagstar states that actual starting base pay depends on location, experience, and other permitted factors. Total compensation may include incentives, bonuses, commissions, or other awards.
Requirements
- Undergraduate degree (four years or equivalent) in Finance, Accounting, Economics, or a related field, or 12 or more years of equivalent experience.
- At least 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 on the topic, 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 that enhance the client experience.
Nice To Haves
- Master’s degree or postgraduate equivalent; MBA or CFA preferred.
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 that may affect 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.
- 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 applicable regulatory and compliance policies, standards, laws, and regulations, and complete required compliance training.
Benefits
- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability insurance
- Comprehensive leave program
- Variable incentives, bonuses, commissions, or other awards may be included in total compensation.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
