Credit Products Specialist II – Power & Renewables

Flagstar Bank

Credit Products Specialist II analyzing credit risk and managing loan portfolios at Flagstar Bank. Engaging in negotiations, compliance reviews and mentoring junior team members.

Posted 7/24/2026full-timeBeverly Hills • California • 🇺🇸 United StatesMid-LevelSenior💰 $100,117 - $157,643 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in commercial credit analysis, underwriting, and portfolio management, with a strong focus on financial modeling, risk assessment, and negotiation. Capable of leading teams and enhancing credit processes while ensuring compliance with regulatory standards.

Highest-signal resume keywords

Commercial Credit AnalysisUnderwritingFinancial ModelingRisk AssessmentNegotiation Skills

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit Risk AssessmentLoan StructuringPortfolio ManagementMacroeconomic AnalysisCredit Agreement Review

Soft Skills

CollaborationProblem SolvingLeadership

Industry Keywords

CreditworthinessRisk ManagementFinancial PerformanceCredit CultureBank Policies

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.
Identifies and raises to leadership improvement areas in credit processes and procedures.
Uses independent judgement and discretion to make decisions regarding assigned portfolio.
Analyzes and resolves problems pertaining to the assigned portfolio.

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
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
a comprehensive leave program