Flagstar Bank · 8 hours ago
Credit Officer Sr II
Hicksville, NY
Full-time
Onsite
Senior Level, Lead/Staff
$165K/yr - $303K/yr
12+ years expFlagstar Bank is a financial institution 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 adherence to regulatory standards while driving alignment across business units.
BankingFinanceFinancial Services
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
Required
Education level required: Undergraduate Degree (4 years or equivalent) Business, Finance or related field
Minimum experience required: 12+ Years experience in credit/lending
Advanced credit risk analysis and structuring expertise, including deep understanding of complex credit products and financing solutions
In-depth knowledge of regulatory frameworks and federal and state lending regulations
Strong grasp of macroeconomic and industry-specific trends and their implications for credit risk and portfolio performance
Proficiency with credit scoring models, Microsoft Excel, financial modeling tools, and risk management software (e.g., Moody's RiskCalc, S&P Capital IQ)
Ability to analyze complex financial data and draw sound conclusions regarding creditworthiness
Skilled in making timely and well-informed credit decisions, often under pressure
High level of accuracy in reviewing financials, legal documents, and credit reports
Clear, concise communication of credit recommendations, risk factors, and policy exceptions to stakeholders
Ability to work effectively with relationship managers, clients, and cross-functional teams
Ability to identify problems proactively and develop practical, risk-conscious solutions
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
Fosters or supports a positive work culture and productive work environment, displaying importance of effective relationships with customers and stakeholders
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
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