Senior Credit Products Specialist – Private Banking

Flagstar Bank

. Lead the structuring, analysis, and approval of highly complex credit transactions .

Posted 10/7/2026full-timeRemote • United StatesSenior💰 $138,432 - $219,086 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in structuring and negotiating complex credit agreements while managing portfolio risk and advising senior leadership. Possesses strong leadership and communication skills to mentor junior associates and influence credit strategy.

Highest-signal resume keywords

Commercial Credit AnalysisComplex Credit Agreement StructuringPortfolio ManagementRisk AnalysisLeadership Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisUnderwriting PracticesMacroeconomic AnalysisCredit PoliciesLoan Term NegotiationLegal DocumentationPortfolio Risk AssessmentCredit Strategy DevelopmentStakeholder ManagementCredit Process Improvement

Soft Skills

Exceptional CommunicationMentoringInfluencingProblem SolvingTraining

Certifications & Qualifications

MBACFA

Industry Keywords

Commercial LendingCredit QualityRegulatory ComplianceEconomic FactorsCredit Agreements

About the role

Key responsibilities & impact

Lead the structuring, analysis, and approval of highly complex credit transactions
Proactively monitor portfolio risk and identify industry trends and economic factors affecting credit quality
Advise sales and senior leadership on credit negotiations and deal execution
Work with clients, legal counsel, and internal teams to structure and negotiate credit agreements
Mentor junior credit professionals and provide training in credit risk best practices
Identify and raise credit process and procedure improvement areas to senior leadership
Make decisions regarding the assigned portfolio using independent judgment and discretion
Analyze and resolve problems pertaining to the assigned portfolio
Perform special projects and additional duties as required
Adhere to regulatory and compliance policies, standards, laws, and required trainings
Shape credit strategy, underwriting practices, risk management, and portfolio health while supporting bank growth objectives

Requirements

What you’ll need

Undergraduate Degree (4 years or equivalent) Bachelor’s degree in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience
Master's Degree (or Postgraduate equivalent) MBA or CFA preferred
10+ years in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis
10+ years of experience in the direct specialized line of business
Deep expertise in structuring and negotiating complex credit agreements
Strong leadership skills with the ability to influence credit strategy and policy
In-depth understanding of macroeconomic factors and their impact on credit risk
Proven ability to manage large portfolios and advise senior executives
Exceptional communication and stakeholder management skills
Well versed in legal documentation, including credit agreements
Ability to develop junior associates, interact with legal counsel, and negotiate directly with clients
Deep knowledge of complex commercial lending structures, industry trends, and economic factors impacting credit risk
Ability to assess portfolio risk at a macro level
Expertise in negotiating complex loan terms
Knowledge of credit policies, compliance standards, and legal considerations in lending
Ability to articulate complex credit decisions clearly and persuasively
No unusual physical exertion is involved

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