Flagstar Bank · 3 days ago
Credit Products Specialist II - Middle Market
Troy/5151 Corporate Drive/112300
Full-time
Onsite
Mid, Senior Level
$133K/yr - $158K/yr
4+ years expFlagstar Bank is a financial institution seeking a Credit Products Specialist II to manage complex commercial credit transactions. The role involves analyzing credit risk, negotiating loan terms, and mentoring junior team members while ensuring compliance with regulatory standards.
BankingFinanceFinancial Services
Responsibilities
Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures
Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns
Partner with RMs 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, High School or Equivalent
Minimum experience required: 4+ Years 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
Advanced Financial & Credit Analysis: Strong command of financial modeling, industry-specific credit risks, and structuring commercial credit transactions
Risk Assessment & Decision-Making: Ability to proactively identify potential credit risks and recommend risk mitigation strategies
Negotiation Skills: Works with RMs and clients to structure loan terms that align with both client needs and risk parameters
Process & Portfolio Management: Manages complex portfolios, ensuring proactive monitoring and adherence to credit policies
Stakeholder Influence: Builds strong relationships with internal and external partners, effectively communicating credit decisions
Project Management: Ability to drive loan structuring and closing processes with minimal oversight
Legal & Compliance Understanding: Familiarity with credit agreements, loan documentation, and regulatory requirements
Technology & Data Utilization: Proficiency in financial analysis tools, CRM systems, and underwriting software
Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results
Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience
Preferred
Education level preferred, Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience
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
Chief Financial Officer, Loan Servicing and Shared Services
Recent News
2025-11-12
2025-11-07
Company data provided by crunchbase