Credit Products Specialist II – Dealer Finance

🔥 14 hours ago

🚗 Michigan – Remote

🚗 Michigan – Remote

💵 $104.2k - $169.8k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

💸 Financial Planning and Analysis (FP&A)

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Flagstar Bank

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

🏦 Banking

💸 Finance

🏠 Real Estate

Banking • Finance • Real Estate

Flagstar Bank is a diversified commercial bank focused on building relationships to help clients on their financial journeys, whether for personal or business needs. The bank offers a wide range of financial services including personal and business banking, loans, mortgages, wealth management, and investment services. Flagstar is committed to community involvement and meeting the banking needs of diverse neighborhoods, including low- and moderate-income areas, while promoting diversity, equity, and inclusion within its operations.

📋 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.

🎯 Requirements

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience • Minimum experience required: 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, dental, vision, life, and disability insurance • comprehensive leave program