Credit Products Specialist II – Power & Renewables
Posted 1ds ago
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Job Description
Credit Products Specialist underwriting complex Power & Renewables commercial loans for Flagstar Bank. Managing credit risk, portfolios, negotiations, and loan documentation while mentoring junior professionals.
Responsibilities:
- Lead underwriting efforts for complex loan requests by assessing creditworthiness and recommending risk-mitigating structures
- Continuously monitor the assigned loan portfolio to identify credit risks, trends, and financial performance concerns
- Partner with relationship managers in negotiations and client discussions
- Review and negotiate credit agreements with legal teams
- 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 portfolio-related problems
- Perform special projects and additional duties as required
- Adhere to regulatory, compliance, and applicable legal requirements
- Complete required compliance training
Requirements:
- Undergraduate degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field, or 10+ years of equivalent experience
- 4+ years of experience in commercial credit analysis, underwriting, or portfolio management
- 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 industry-specific credit risks and commercial credit transaction structuring
- Ability to identify credit risks and recommend mitigation strategies
- Experience managing complex portfolios and adhering to credit policies
- Ability to communicate credit decisions effectively to internal and external stakeholders
- 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
- Ability to maintain effective stakeholder relationships and deliver tailored client solutions
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



















