Senior Credit Products Specialist – Specialized, Equipment Finance
Flagstar Bank
full-time
Posted on:
Location Type: Remote
Location: Missouri • United States
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Salary
💰 $123,524 - $178,802 per year
Job Level
About the role
- Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs
- Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
- Serve as a strategic partner to sales and senior leadership, offering expertise in credit negotiations and deal execution.
- Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
- Mentor junior credit professionals, providing training and leadership in credit risk best practices.
- Proactively identifies and raises to senior leadership improvement areas in credit processes and procedures.
- Uses independent judgement and discretion to make decisions regarding assigned portfolio.
Requirements
- Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience
- 8+ Years in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis
- 8+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)
- Deep expertise in structuring and negotiating complex credit agreements.
- Strong leadership skills with the ability to influence credit strategy and policy.
- In-depth understanding of macroeconomic factors and their impact on credit risk.
- Proven ability to manage large portfolios and advise senior executives.
- Exceptional communication and stakeholder management skills.
Benefits
- medical, dental, vision, life, and disability insurance
- a 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 analysiscredit structuringunderwritingportfolio managementrisk analysisnegotiating credit agreementsmacroeconomic analysis
Soft Skills
leadershipinfluencecommunicationstakeholder managementmentoring