Senior Credit Products Specialist – Sponsor Finance

Flagstar Bank

Senior Credit Products Specialist managing and structuring complex credit transactions for various commercial industries. Influencing credit strategy and supporting portfolio management with strong analytical skills.

Posted 4/30/2026full-timeNew York City • New York • 🇺🇸 United StatesSenior💰 $123,524 - $198,417 per yearWebsite

About the role

Key responsibilities & impact

Lead the structuring, analysis, and approval of highly complex credit transactions
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

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.
Well versed in legal documentation (e.g., Credit Agreements) and positioned to develop junior associates on the topic, interact with internal and external legal counsel, and negotiate directly with clients.

Benefits

Comp & perks

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Comprehensive leave program

ATS Keywords

✓ Tailor your resume

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 analysiscredit negotiationscredit agreementsmacroeconomic analysislegal documentation

Soft Skills

leadershipcommunicationstakeholder managementmentoringstrategic partnershipinfluencing