Credit Products Specialist II – Equipment Finance

Flagstar Bank

Credit Products Specialist II underwriting complex commercial credit transactions while managing loan portfolios at Flagstar Bank. Lead underwriting, monitor risks, and mentor junior team members.

Posted 4/22/2026full-timeRemote • Missouri • 🇺🇸 United StatesMid-LevelSenior💰 $104,198 - $169,816 per yearWebsite

About the role

Key responsibilities & impact

Lead underwriting efforts for complex loan requests
Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns
Partner with sales in negotiations and client discussions
Collaborate with legal teams to review and negotiate credit agreements
Provide guidance to junior credit professionals
Identify and raise to leadership improvement areas in credit processes and procedures
Analyze and resolve problems pertaining to the assigned portfolio.

Requirements

What you’ll need

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

Comp & perks

medical
dental
vision
life
disability insurance
comprehensive leave program

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit analysisunderwritingportfolio managementfinancial modelingrisk assessmentloan structuringmacroeconomic analysis

Soft Skills

negotiationcollaborationguidanceproblem-solving