Credit Products Specialist II – Leverage Finance

Flagstar Bank

Credit Products Specialist II managing complex commercial credit transactions and loan portfolios. Structuring and underwriting loans while mentoring junior team members in a specialized vertical.

Posted 6/17/2026full-timeCharlotte • North Carolina • 🇺🇸 United StatesMid-LevelSenior💰 $104,198 - $169,816 per yearWebsite

About the role

Key responsibilities & impact

Lead underwriting efforts for complex loan requests, assessing creditworthiness
Continuously monitor assigned portfolio to proactively identify credit risks and trends
Partner with sales in negotiations and client discussions
Collaborate with legal teams to review and negotiate credit agreements
Provide guidance to junior credit professionals, enhancing team capabilities

Requirements

What you’ll need

Undergraduate Degree (4 years) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience
4+ Years in commercial credit analysis, underwriting, or portfolio management
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 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

financial modelingrisk assessmentcommercial credit analysisunderwritingportfolio managementloan structuringcredit analysis

Soft Skills

negotiationcollaborationguidanceteam capabilities enhancement