Credit Products Specialist II – Equipment Finance
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Job Description
Credit Products Specialist underwriting complex commercial loans and managing credit portfolios for Flagstar Bank. Structuring transactions, assessing risk, negotiating terms, and mentoring junior credit professionals.
Responsibilities:
- Lead underwriting efforts for complex loan requests and recommend risk-mitigating structures
- Continuously monitor the assigned loan portfolio to identify credit risks, trends, and financial performance concerns
- Partner with sales in negotiations and client discussions
- Collaborate with legal teams to review and negotiate credit agreements
- Provide guidance and training to junior credit professionals
- Identify and raise improvement areas in credit processes and procedures
- Use independent judgment and discretion for assigned portfolio decisions
- Analyze and resolve problems pertaining to the assigned portfolio
- Perform special projects and additional duties as required
- Adhere to regulatory and compliance policies and complete required compliance training
- Maintain compliance with applicable federal, state, and local laws and regulations
Requirements:
- Bachelor’s degree in Finance, Accounting, Economics, or a related field, or 10+ years of equivalent experience
- 5+ years in commercial credit analysis, underwriting, or portfolio management
- 5+ years of experience in the direct specialized line of business
- 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
- Strong command of financial modeling, industry-specific credit risks, and commercial credit transaction structuring
- Ability to identify credit risks and recommend mitigation strategies
- Experience managing complex portfolios and monitoring compliance with credit policies
- Ability to communicate credit decisions effectively to internal and external partners
- Ability to drive loan structuring and closing processes with minimal oversight
- Familiarity with credit agreements, loan documentation, and regulatory requirements
- Proficiency in financial analysis tools, CRM systems, and underwriting software
Benefits:
- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability insurance
- Comprehensive leave program
- Variable incentives, bonuses, commissions, or other awards may be included in total compensation
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