Credit Products Specialist I - Hospitality, Gaming & Leisure

Flagstar Bank•Charlotte, NC

12d

About The Position

The Credit Products Specialist I supports underwriting, structuring, and management of commercial credit relationships in the Hospitality, Gaming & Leisure sector. The role provides financial analysis, supports risk assessment and credit decisions, helps structure new loan transactions, monitors portfolios, and identifies potential risks. It partners with sales and credit teams and contributes to responsible lending and portfolio growth. The position requires applying independent judgment to decisions concerning an assigned portfolio and analyzing and resolving portfolio-related problems. The specialist may also mentor analysts and complete special projects and other assigned duties. The role must adhere to applicable regulatory and compliance policies, training requirements, and federal, state, and local laws and regulations.

Requirements

At least 3 years of experience in credit underwriting, portfolio management, or a related field.
At least 3 years of experience in a specialized line of business, such as specialized commercial industries, capital markets, or corporate commercial banking.
Strong financial analysis and risk assessment abilities.
Basic understanding of loan structuring and credit agreements.
Proficiency in financial modeling and credit decision tools.
Effective communication and teamwork skills.
Strong foundational understanding of financial statements, key ratios, and credit analysis principles.
Ability to assess financial data, identify trends, and evaluate borrower creditworthiness.
Attention to detail and accuracy in financial analysis, credit packages, and risk assessments.
Ability to work effectively with relationship managers, credit officers, and other stakeholders, with strong written and verbal communication skills.
Ability to manage multiple loan requests, meet deadlines, and prioritize tasks effectively.
Intermediate Excel skills, including financial modeling, pivot tables, and VLOOKUP; familiarity with credit analysis software.
Willingness to develop credit expertise, stay informed on industry trends, and apply new knowledge to underwriting and portfolio management.

Nice To Haves

Bachelor’s degree in Finance, Accounting, Economics, or a related field, or 5 or more years of equivalent experience.

Responsibilities

Assist sales in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages.
Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions.
Work with sales and credit teams to structure deals, address underwriting inquiries, and support client needs.
Mentor analysts in financial analysis, credit structuring, and risk assessment.
Stay informed about market trends, credit policies, and risk mitigation techniques relevant to commercial lending.
Use independent judgment and discretion in 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 and standards, complete required compliance training, and maintain compliance with applicable laws and regulations.