Credit Products Specialist II

🕒 4 dias atrás

🤠 Texas – Remoto

🤠 Texas – Remote

💵 $100.117 - $157.643 / ano

⏰ Tempo Integral

🟡 Pleno

🟠 Sênior

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Flagstar Bank

SiteLinkedInTodas as Vagas

5001 - 10000 funcionários

🛡️ Seguros

💼 Consultoria

🏥 Saúde

Insurance • Consulting • Healthcare

O Flagstar Bank é um banco comercial diversificado focado em construir relacionamentos para ajudar os clientes em suas jornadas financeiras, seja para necessidades pessoais ou empresariais. O banco oferece uma ampla gama de serviços financeiros, incluindo banco pessoal e empresarial, empréstimos, hipotecas, gestão de patrimônio e serviços de investimento. O Flagstar está comprometido com o envolvimento comunitário e com o atendimento das necessidades bancárias de bairros diversos, incluindo áreas de baixa e média renda, enquanto promove diversidade, equidade e inclusão dentro de suas operações.

Descrição

• Lead underwriting efforts for complex loan requests, assess creditworthiness, and recommend risk-mitigating structures • Monitor the assigned loan portfolio to identify credit risks, trends, and financial performance concerns • Partner with relationship managers in negotiations and client discussions • Collaborate with legal teams to review and negotiate credit agreements • Provide guidance and training to junior credit professionals • Identify and raise credit process and procedure improvement areas to leadership • Use independent judgment and discretion for assigned portfolio decisions • Analyze and resolve problems related to the assigned portfolio • Perform special projects and additional duties as required • Adhere to regulatory, compliance, federal, state, and local requirements • Complete required compliance training

🎯 Requisitos

• 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 • 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 partners • 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 build and maintain effective stakeholder relationships • Ability to identify client needs and deliver tailored solutions

🏖️ Benefícios

• 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