Credit Products Manager
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Job Description
Credit Products Manager overseeing underwriting, portfolio risk, and credit teams at Flagstar Bank. Driving compliant credit decisions, analytics, and responsible growth across commercial banking.
Responsibilities:
- Oversee first-line credit underwriting and portfolio management within assigned business lines
- Manage underwriters and credit professionals, including Credit Products Specialists and Credit Products Analysts
- Ensure accurate risk ratings, loan evaluation, underwriting, and ongoing portfolio management
- Identify emerging credit risks and opportunities using data-driven insights and portfolio analytics
- Provide recommendations to leadership supporting sound credit decisions
- Collaborate with sales, risk, technology, legal, and compliance teams
- Maintain credit quality across assigned portfolios and lending verticals
- Establish consistent credit decisioning and risk management practices across regions and verticals
- Recruit, develop, coach, and retain credit underwriting and portfolio management talent
- Serve as a point of contact for deal-flow assignment, credit-risk reviews, and escalations
- Ensure compliance with regulatory requirements, internal policies, and risk frameworks
- Provide credit-risk reporting and portfolio analysis to senior leadership
- Support continuous improvement, transformation initiatives, and strategic decision-making
- Interact with legal counsel and negotiate credit-agreement terms directly with clients
Requirements:
- Undergraduate Degree (4 years or equivalent) in Business, Economics, or related field and Master's Degree (or Postgraduate equivalent)
- 12+ years of first-line credit underwriting, portfolio management, and risk management experience within the financial industry
- Experience in credit strategy and credit analytics
- 5+ years of experience managing teams of credit analysts and underwriters in a specialty vertical
- 5+ years of experience in a specialized line of business, such as specialized commercial industries, capital markets, or corporate commercial banking
- Expertise in credit bureaus, credit decision engines, credit and cash-flow modeling, income/identity verification, and loss forecasting
- Strong knowledge of federal and state laws and regulations related to credit decisions
- Working knowledge of the syndicated loan market and related processes for certain lines of business
- Proficiency in underwriting models, portfolio management strategies, and risk assessment
- Effective communication and presentation skills
- Ability to translate credit analysis into actionable strategies and policies
- Ability to incorporate industry knowledge and market trends into credit-risk assessments
- Ability to manage multiple priorities, meet deadlines, and execute tasks efficiently
- Strong leadership, coaching, collaboration, and team-development skills
- Knowledge of legal documentation, including credit agreements
- Ability to interact with legal counsel and negotiate terms directly with clients
- Ability to comply with applicable federal, state, and local laws and regulations
Benefits:
- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability insurance
- Comprehensive leave program
- Professional development opportunities
- Coaching and training opportunities
- Variable incentives, bonuses, commissions, or other awards may be included in total compensation
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