Credit Products Specialist II-Specialized

Flagstar Bank

126d • $138,931 - $169,816

About The Position

The Credit Products Specialist II – Specialized plays a key role in structuring and underwriting complex commercial credit transactions while managing an assigned loan portfolio within a specialized vertical or region. This position is responsible for independently analyzing credit risk, negotiating loan terms, and providing strategic recommendations to relationship and credit teams. By proactively monitoring portfolio performance and identifying emerging risks, this role ensures sound credit decisions and long-term client success. The position also supports the professional development of junior team members by sharing expertise and best practices.

Requirements

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience.
• Minimum experience required: 4+ Years in commercial credit analysis, underwriting, or portfolio management.
• 4+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.).
• Advanced financial modeling and risk assessment expertise.
• Strong negotiation skills and ability to collaborate with clients.
• Experience structuring complex loan transactions.
• Ability to analyze macroeconomic trends and their impact on credit risk.

Responsibilities

• 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.
• Identify and raise to leadership improvement areas in credit processes and procedures.
• Use independent judgement and discretion to make decisions regarding assigned portfolio.
• Analyze and resolve problems pertaining to the assigned portfolio.
• Perform special projects, and additional duties and responsibilities as required.
• Consistently adhere to regulatory and compliance policies and standards linked to the job.

Benefits

• Medical insurance
• Dental insurance
• Vision insurance
• Life insurance
• Disability insurance
• Comprehensive leave program

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree
• Number of Employees: 5,001-10,000 employees