Credit Officer Sr II jobs in United States
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Flagstar Bank · 8 hours ago

Credit Officer Sr II

positionHicksville/102 Duffy Avenue/3797
timeFull-time
remoteOnsite
senioritySenior Level, Lead/Staff
date12+ years exp

Flagstar Bank is seeking a Senior Credit Officer II to oversee and manage complex credit portfolios. This role involves executing advanced credit analysis, shaping credit policy, and ensuring compliance with regulatory standards while driving strategic business initiatives.

BankingFinanceFinancial Services
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H1B Sponsor Likelynote

Responsibilities

Provide strategic leadership for credit underwriting and portfolio oversight for complex sectors and other nuanced borrower profiles
Prepare and review complex and detailed Flagstar Approval Memos, loan modifications, and portfolio reviews, incorporating advanced credit analysis, market intelligence, and tailored structuring techniques
Evaluate and make independent decisions on complex credit requests; escalate to higher authorities when appropriate and serve as a senior voting member on internal credit committees
Partners with Relationship Managers and deal teams to structure bespoke credit facilities that meet both client needs and the Bank’s risk tolerance
Direct asset management planning and participate in the formation of strategic credit strategies for underperforming or high-risk exposures
Continuously monitor portfolio performance trends and proactively identify potential credit deterioration, emerging industry risks, or regulatory impacts
Participate in high-level strategic screening meetings to evaluate new opportunities and assess risk-return tradeoffs
Ensure full compliance with federal, state, and local lending regulations, as well as internal risk frameworks and credit policies
Contribute to the development, enhancement, and implementation of credit policies, risk rating models, and portfolio management tools
Engage directly with clients and conduct on-site project visits to gain deeper insights into operational and market risks
Develop, refine, and monitor key risk indicators (KRIs) and stress testing relevant to portfolios
Lead and contribute to special projects, cross-functional initiatives, and process improvement efforts as directed by senior leadership
Act as a mentor and subject matter expert to junior credit staff, offering training and development opportunities
Continuously refine templates, risk analysis tools, and credit frameworks to enhance decision-making across complex portfolios
May be responsible for talent management functions including: employment, performance evaluations, staff development/training, disciplinary actions, succession planning and ensuring all staff comply with compliance requirements
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

Advanced credit risk analysisRegulatory frameworks knowledgeCredit scoring models proficiencyFinancial modeling toolsMacroeconomic trend analysisClear communicationProblem identificationRelationship building

Required

Education level required: Undergraduate Degree (4 years or equivalent) Business, Finance or related field
Minimum experience required: 12+ Years experience in credit/lending

Preferred

Education level preferred: Master's Degree (or Postgraduate equivalent) Business, Finance or related field

Benefits

Medical
Dental
Vision
Life
Disability insurance
Comprehensive leave program

Company

Flagstar Bank

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Thank you for visiting Flagstar Bank, N.A. on LinkedIn, and we look forward to being part of your financial journey.
dateFounded in 1987
location
Troy, Michigan, USA
people-size5001-10000 employees
web-link
http://www.flagstar.com/

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 Company
Total Funding
unknown
2021-04-26Acquired
2001-07-12IPO

Leadership Team

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Gregg Christenson
Executive Vice President and CFO for Community Banking
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R
Randal Turner
Chief Financial Officer, Loan Servicing and Shared Services
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