Credit Products Manager

Flagstar Bank

Credit Products Manager overseeing underwriting, portfolio risk, and credit teams at Flagstar Bank. Driving compliant credit decisions, analytics, and responsible growth across commercial banking.

Posted 8/12/2026full-timeRemote • Texas • 🇺🇸 United StatesSeniorLead💰 $168,368 - $273,681 per yearWebsite

Core Competencies

Role fit

Core Competencies

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

Demonstrates extensive expertise in credit underwriting, portfolio management, and risk management within the financial industry, with a strong focus on compliance and strategic decision-making. Proven ability to lead teams, develop talent, and implement data-driven credit strategies.

Highest-signal resume keywords

Credit UnderwritingPortfolio ManagementRisk ManagementCredit AnalyticsTeam Leadership

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Decision EnginesCredit ModelingRisk AssessmentPortfolio AnalysisCredit Risk ReportingIncome VerificationLoss ForecastingCredit Quality MaintenanceCredit Strategy DevelopmentSyndicated Loan Market Knowledge

Soft Skills

Effective CommunicationCollaborationCoachingTeam DevelopmentPresentation Skills

Industry Keywords

Federal RegulationsState RegulationsCredit BureausLegal DocumentationCredit AgreementsFinancial IndustryCommercial BankingCapital MarketsSpecialized Commercial IndustriesRisk Frameworks

About the role

Key responsibilities & impact

Oversee first-line credit underwriting and portfolio management within assigned business lines
Manage underwriters and credit professionals, including Credit Products Specialists and Credit Products Analysts
Ensure accurate risk ratings, loan evaluation, underwriting, and ongoing portfolio management
Identify emerging credit risks and opportunities using data-driven insights and portfolio analytics
Provide recommendations to leadership supporting sound credit decisions
Collaborate with sales, risk, technology, legal, and compliance teams
Maintain credit quality across assigned portfolios and lending verticals
Establish consistent credit decisioning and risk management practices across regions and verticals
Recruit, develop, coach, and retain credit underwriting and portfolio management talent
Serve as a point of contact for deal-flow assignment, credit-risk reviews, and escalations
Ensure compliance with regulatory requirements, internal policies, and risk frameworks
Provide credit-risk reporting and portfolio analysis to senior leadership
Support continuous improvement, transformation initiatives, and strategic decision-making
Interact with legal counsel and negotiate credit-agreement terms directly with clients

Requirements

What you’ll need

Undergraduate Degree (4 years or equivalent) in Business, Economics, or related field and Master's Degree (or Postgraduate equivalent)
12+ years of first-line credit underwriting, portfolio management, and risk management experience within the financial industry
Experience in credit strategy and credit analytics
5+ years of experience managing teams of credit analysts and underwriters in a specialty vertical
5+ years of experience in a specialized line of business, such as specialized commercial industries, capital markets, or corporate commercial banking
Expertise in credit bureaus, credit decision engines, credit and cash-flow modeling, income/identity verification, and loss forecasting
Strong knowledge of federal and state laws and regulations related to credit decisions
Working knowledge of the syndicated loan market and related processes for certain lines of business
Proficiency in underwriting models, portfolio management strategies, and risk assessment
Effective communication and presentation skills
Ability to translate credit analysis into actionable strategies and policies
Ability to incorporate industry knowledge and market trends into credit-risk assessments
Ability to manage multiple priorities, meet deadlines, and execute tasks efficiently
Strong leadership, coaching, collaboration, and team-development skills
Knowledge of legal documentation, including credit agreements
Ability to interact with legal counsel and negotiate terms directly with clients
Ability to comply with applicable federal, state, and local laws and regulations

Benefits

Comp & perks

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Comprehensive leave program
Professional development opportunities
Coaching and training opportunities
Variable incentives, bonuses, commissions, or other awards may be included in total compensation