Credit Products Specialist II – Power & Renewables

Flagstar Bank

Credit Products Specialist underwriting complex Power & Renewables commercial loans for Flagstar Bank. Managing credit risk, portfolios, negotiations, and loan documentation while mentoring junior professionals.

Posted 8/4/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSenior💰 $100,118 - $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 effectively communicating credit decisions and maintaining stakeholder relationships while adhering to regulatory requirements.

Highest-signal resume keywords

Commercial Credit AnalysisFinancial ModelingRisk AssessmentNegotiation SkillsPortfolio Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk IdentificationLoan StructuringFinancial AnalysisCredit Policies AdherenceMacroeconomic Trend Analysis

Soft Skills

CollaborationCommunicationGuidance and Training

Tools & Technologies

Underwriting SoftwareFinancial Analysis ToolsCRM Systems

Industry Keywords

Credit AgreementsLoan DocumentationRegulatory ComplianceRisk Mitigation Strategies

About the role

Key responsibilities & impact

Lead underwriting efforts for complex loan requests by assessing creditworthiness and recommending risk-mitigating structures
Continuously monitor the assigned loan portfolio to identify credit risks, trends, and financial performance concerns
Partner with relationship managers in negotiations and client discussions
Review and negotiate credit agreements with legal teams
Provide guidance and training to junior credit professionals
Identify and raise improvement areas in credit processes and procedures
Use independent judgment and discretion for assigned portfolio decisions
Analyze and resolve portfolio-related problems
Perform special projects and additional duties as required
Adhere to regulatory, compliance, and applicable legal requirements
Complete required compliance training

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 of experience 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
Strong command of industry-specific credit risks and commercial credit transaction structuring
Ability to identify credit risks and recommend mitigation strategies
Experience managing complex portfolios and adhering to credit policies
Ability to communicate credit decisions effectively to internal and external stakeholders
Ability to drive loan structuring and closing processes with minimal oversight
Familiarity with credit agreements, loan documentation, and regulatory requirements
Proficiency in financial analysis tools, CRM systems, and underwriting software
Ability to maintain effective stakeholder relationships and deliver tailored client solutions

Benefits

Comp & perks

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Comprehensive leave program
Variable incentives, bonuses, commissions, or other awards may be included in total compensation