Credit Products Specialist II – Franchise Finance

Flagstar Bank

Credit Products Specialist II structuring and underwriting complex commercial credit transactions at Flagstar Bank. Managing a loan portfolio and mentoring junior team members.

Posted 5/28/2026full-timeRemote • Missouri • 🇺🇸 United StatesMid-LevelSenior💰 $104,198 - $169,816 per yearWebsite

About the role

Key responsibilities & impact

Lead underwriting efforts for complex loan requests, 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.

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
Minimum experience required: 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

Health insurance
Dental insurance
Vision insurance
Life insurance
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

negotiationcollaborationguidanceteam building