Senior Credit Products Specialist - Power & Renewables

Flagstar Bank

1d•$138,432 - $219,086

About The Position

The Senior Credit Products Specialist – Power & Renewables is a strategic advisor responsible for structuring, negotiating, and managing highly complex commercial credit relationships within an aligned line of business, such as Corporate Banking, Private Banking, Regional Commercial Banking, or Specialized Industries. 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 best practices.

Requirements

At least 10 years of experience in commercial credit analysis or structuring, underwriting, portfolio management, and risk analysis.
At least 10 years of experience in the direct specialized line of business, such as specialized commercial industries, capital markets, or corporate commercial banking.
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.
Demonstrated ability to manage large portfolios and advise senior executives.
Exceptional communication and stakeholder-management skills.
As relevant to the supported line of business, proficiency with legal documentation such as credit agreements, including developing junior associates, working with internal and external legal counsel, and negotiating directly with clients.

Nice To Haves

Bachelor’s degree in Finance, Accounting, Economics, or a related field, or 12 or more years of equivalent experience.
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 in the assigned specialized vertical or region.
Monitor portfolio risk proactively and identify industry trends and economic factors affecting credit quality.
Partner with sales teams 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 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 regulatory and compliance policies and standards, complete required compliance training, and maintain compliance with applicable laws and regulations.