Credit Products Specialist II – Franchise Finance
Flagstar Bank
full-time
Posted on:
Location Type: Remote
Location: Missouri • United States
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Salary
💰 $104,198 - $151,096 per year
About the role
- 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.
Requirements
- Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience
- 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 insurance
- dental insurance
- vision insurance
- life insurance
- disability insurance
- comprehensive leave program
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit analysisunderwritingportfolio managementfinancial modelingrisk assessmentloan structuringmacroeconomic analysis
Soft Skills
negotiationcollaborationleadershipproblem-solvingjudgment