Senior Credit Officer – Equipment Finance

Flagstar Bank

Senior Credit Officer managing equipment finance underwriting, portfolio risk, and regulatory compliance for Flagstar Bank, a regional commercial bank. Leading credit decisions, financial analysis, policy development, and underwriting team development.

Posted 8/5/2026full-timeRemote • 🇺🇸 United StatesSenior💰 $143,406 - $250,702 per yearWebsite

Core Competencies

Role fit

Core Competencies

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

Demonstrates extensive expertise in credit approval processes, financial analysis, and equipment finance risk assessment, while ensuring compliance with lending regulations and mentoring credit staff.

Highest-signal resume keywords

Credit ApprovalFinancial AnalysisEquipment Finance ProductsLending RegulationsStaff Development

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 StructuringCollateral EvaluationRisk AssessmentCash Flow AnalysisCreditworthiness AssessmentEquipment Value AnalysisPortfolio Performance MonitoringProblem Credit IdentificationCompliance TrainingCredit Policy Development

Soft Skills

Communication SkillsAnalytical AbilitiesProblem-Solving SkillsMentoringEmployee Relations

Industry Keywords

Equipment FinanceFair Lending LawsRegulatory ComplianceCredit TrendsLease Structures

About the role

Key responsibilities & impact

Lead credit approval for equipment finance transactions, including financial analysis, collateral evaluation, and credit structuring
Assess credit risk for new and existing equipment finance customers
Develop and maintain Equipment Finance credit policies and procedures
Monitor portfolio performance and identify problem credits
Serve as credit authority for equipment finance deals within assigned limits
Conduct borrower cash flow, industry trend, and equipment value analyses
Collaborate with business development and sales teams on pricing, structure, and transaction terms
Present credit analyses, portfolio metrics, and risk assessments to senior management and regulators
Mentor and develop underwriting and credit support staff; manage performance reviews, workflow, and employee relations
Maintain compliance with federal, state, and local regulations, fair lending laws, and examination requirements
Participate in regulator meetings as an equipment finance credit subject matter expert
Perform special projects and additional duties as required
Complete required compliance training

Requirements

What you’ll need

High School / High School Equivalency (GED, HiSET, TASC) / Foreign Equivalent required
10+ years of experience in credit/lending required
Advanced ability to analyze financial statements, assess creditworthiness, evaluate collateral value, and identify equipment finance credit risks
Deep knowledge of equipment finance products, lease structures, residual values, and equipment-specific credit considerations
Ability to make sound credit decisions within established authority limits and resolve complex credit situations
Proven track record of managing and developing credit and underwriting staff
Strong understanding of lending regulations and fair lending practices
Excellent spoken and written communication skills
Excellent analytical and problem-solving abilities
Extensive knowledge of the equipment finance market, pricing, structure, and credit trends
Undergraduate degree preferred

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