Flagstar Bank

Flagstar Bank N.A. was acquired by New York Community Bancorp, Inc., the holding company for Flagstar Bank N.A.

Credit Products Specialist II – Franchise Finance

Financial Planning and AnalysisFinancial Planning and AnalysisFull TimeRemoteTeam 5,001-10,000H1B SponsorCompany SiteLinkedIn

Location

Michigan

Posted

17 days ago

Salary

$104.2K - $151.1K / year

Bachelor Degree4 yrs expExperience acceptedEnglish

Job Description

• Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures within the assigned specialized vertical or region. • Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns. • Partner with sales 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.

Job Requirements

  • Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience
  • 4+ Years in commercial credit analysis, underwriting, or portfolio management
  • 4+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)
  • 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

  • medical insurance
  • dental insurance
  • vision insurance
  • life insurance
  • disability insurance
  • comprehensive leave program

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