[Hiring] Senior Credit Products Specialist @Flagstar Bank

Role Description

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 LOB such as, but not limited to, Corporate Banking, Private Banking (including Private Banking Mortgage), Regional Commercial Banking, or Specialized Industries. This role influences credit strategy by providing deep market insights, proactive risk identification, and innovative deal structuring solutions. With extensive experience in credit analysis and portfolio management, this position ensures long-term portfolio health while supporting the bank’s growth objectives. Additionally, this role serves as a mentor and thought leader, developing junior credit professionals and shaping best practices in underwriting and risk management.

Qualifications

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field, or 12+ years of equivalent experience.
• Master's Degree (or Postgraduate equivalent) MBA or CFA preferred.
• 10+ years in commercial credit analysis/structuring, underwriting, portfolio management, and risk analysis.
• 10+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.).
• Deep expertise in structuring and negotiating complex credit agreements.
• Strong leadership skills with 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.
• Well versed in legal documentation (e.g., Credit Agreements) and positioned to develop junior associates on the topic.

Requirements

• Lead the structuring, analysis, and approval of highly complex credit transactions.
• Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
• Serve as a strategic partner to sales and senior leadership.
• Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
• Mentor junior credit professionals, providing training and leadership in credit risk best practices.
• Perform special projects and additional duties as required.
• Consistently adhere to regulatory and compliance policies and standards.

Benefits

• Access to medical, dental, vision, life, and disability insurance.
• Comprehensive leave program.
• Variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment.

Company Description

Flagstar is an Equal Opportunity Employer - Vets/Disabled. We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law.