Senior Credit Products Specialist – Commercial Banking

Flagstar Bank

Senior Credit Products Specialist structuring complex commercial credit relationships at Flagstar Bank. Leading credit negotiations, mentoring junior professionals, and ensuring portfolio health.

Posted 6/30/2026full-timeSterling Heights • Missouri • 🇺🇸 United StatesSenior💰 $105,974 - $168,468 per yearWebsite

About the role

Key responsibilities & impact

Complex Credit Structuring & Underwriting: Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs.
Portfolio Strategy & Risk Oversight: Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
Client & Executive Leadership Engagement: Serve as a strategic partner to RMs and senior leadership, offering expertise in credit negotiations and deal execution.
Credit Agreement Negotiation: Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
Team Leadership & Mentorship: Mentor junior credit professionals, providing training and leadership in credit risk best practices.

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
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 both develop more 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

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Applicant Tracking System Keywords

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Hard Skills & Tools

Credit AnalysisUnderwritingRisk AnalysisCredit StructuringPortfolio Strategy

Soft Skills

Exceptional CommunicationStakeholder ManagementMentorship