Senior Credit Products Specialist – Specialized, Equipment Finance

Flagstar Bank

Senior Credit Products Specialist at Flagstar Bank analyzing and structuring complex credit transactions. Mentoring junior professionals and ensuring portfolio health while meeting growth objectives.

Posted 4/8/2026full-timeRemote • Missouri • 🇺🇸 United StatesSenior💰 $123,524 - $178,802 per yearWebsite

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

medical, dental, vision, life, and disability insurance
a comprehensive leave program

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit analysiscredit structuringunderwritingportfolio managementrisk analysisnegotiating credit agreementsmacroeconomic analysis

Soft Skills

leadershipinfluencecommunicationstakeholder managementmentoring