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Credit Products Specialist II – Dealer Finance
Flagstar BankCredit Products Specialist II managing complex commercial credit transactions and underwriting efforts. Leading portfolio management strategies while fostering junior team member development.
Posted 7/3/2026full-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- medical, dental, vision, life, and disability insurance
- comprehensive leave program
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
Creditworthiness AssessmentRisk Mitigation StructuresPortfolio ManagementLoan Transaction StructuringMacroeconomic Trend Analysis
Soft Skills
CollaborationClient NegotiationTeam Guidance