Flagstar Bank · 3 hours ago
Credit Products Specialist II-Specialized (Equipment Finance)
Michigan, United States
Full-time
Onsite
Mid, Senior Level
$139K/yr - $170K/yr
4+ years expFlagstar Bank is seeking a Credit Products Specialist II-Specialized to play a key role in structuring and underwriting complex commercial credit transactions. This position involves managing a loan portfolio, analyzing credit risk, negotiating loan terms, and mentoring junior team members to ensure sound credit decisions and client success.
BankingFinanceFinancial Services
Responsibilities
Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures within the assigned specialized vertical or region
Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns
Partner with sales in negotiations and client discussions, ensuring alignment between client needs and risk appetite
Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks
Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture. Identifies and raises to leadership improvement areas in credit processes and procedures
Uses independent judgement and discretion to make decisions regarding assigned portfolio
Analyzes and resolves problems pertaining to the assigned portfolio
Performs special projects, and additional duties and responsibilities as required
Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations
Qualification
Required
Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience
Minimum experience required: 4+ Years in commercial credit analysis, underwriting, or portfolio management
4+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)
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
Benefits
Medical
Dental
Vision
Life
Disability insurance
Comprehensive leave program
Company
Flagstar Bank
Thank you for visiting Flagstar Bank, N.A. on LinkedIn, and we look forward to being part of your financial journey.
5001-10000 employees
H1B Sponsorship
Flagstar Bank has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (39)
2024 (42)
2023 (41)
Funding
Current Stage
Public CompanyTotal Funding
unknown2021-04-26Acquired
2001-07-12IPO
Leadership Team
Gregg Christenson
Executive Vice President and CFO for Community Banking
R
Randal Turner
SVP & Chief Financial Officer, Loan Servicing and Shared Services
Recent News
2025-11-12
2025-11-07
Company data provided by crunchbase