Credit Products Manager / ACH Underwriting Manager

Flagstar Bank

Credit Products Manager supporting first-line credit underwriting and portfolio management. Supervising a team to maintain credit quality and compliance with risk appetite.

Posted 6/5/2026full-timeRemote • Missouri • 🇺🇸 United StatesSeniorLead💰 $123,243 - $204,783 per yearWebsite

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

credit underwritingportfolio managementrisk managementcredit decision enginescredit modelingcash flow modelingincome verificationidentity verificationloss forecastingdata analysis

Soft Skills

team managementmentoringcollaborationrisk assessmentstrategic implementationcommunicationleadershipproblem-solvingorganizational skillsdata-driven insights

Tools & Technologies

credit bureausunderwriting softwareportfolio monitoring systemsregulatory compliance toolsdata analytics platformsCRM systemsrisk assessment toolsfinancial modeling softwarereporting toolscollaboration platforms

Industry Keywords

first-line of defenserisk gradingloan evaluationcomplianceinternal policiescredit strategiesspecialty verticalportfolio monitoringdata-driven insightscredit analysis

About the role

Key responsibilities & impact

Supports first-line credit underwriting and portfolio management
Supervises a team of underwriters and credit analysts
Oversees risk grading, loan evaluation, and portfolio monitoring
Identifies potential risks and trends using data-driven insights
Collaborates with sales, risk, and credit teams
Implements credit strategies and streamlines underwriting processes
Ensures compliance with internal policies and regulatory requirements
Assists in developing and mentoring team members

Requirements

What you’ll need

Undergraduate Degree (4 years or equivalent) in Business, Economics or related field
10+ Years of 1st line of defense credit underwriting, portfolio management, and risk management experience
3+ years of experience in managing teams of credit analysts, underwriters in the specialty vertical
Experience and expertise in credit bureaus, credit decision engines, credit and cash flow modeling, income/identity verification and loss forecasting

Benefits

Comp & perks

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