Credit Products Specialist II

Flagstar Bank

Credit Products Specialist II responsible for structuring and underwriting complex commercial credit transactions. Managing a loan portfolio and supporting junior team members with best practices.

Posted 6/25/2026full-timeRemote • Texas • 🇺🇸 United StatesMid-LevelSenior💰 $100,117 - $157,643 per yearWebsite

About the role

Key responsibilities & impact

Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures
Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns
Partner with RMs 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
Performs special projects, and additional duties and responsibilities as required

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
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

negotiationcollaborationguidanceteam leadership