Credit Products Specialist II – Equipment Finance

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $114.8k - $181.7k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

💸 Financial Planning and Analysis (FP&A)

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Flagstar Bank

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

🛡️ Insurance

💼 Consulting

🏥 Healthcare

Insurance • Consulting • Healthcare

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 and recommend risk-mitigating structures within the assigned specialized vertical or region • Monitor the assigned portfolio to identify credit risks, trends, and financial performance concerns • Partner with sales in negotiations and client discussions, aligning client needs with risk appetite • Collaborate with legal teams to review and negotiate credit agreements in compliance with bank policies and risk management frameworks • Provide guidance and training to junior credit professionals • Identify and raise improvement areas in credit processes and procedures to leadership • Use independent judgment and discretion to make decisions regarding the assigned portfolio • Analyze and resolve problems pertaining to the assigned portfolio • Perform special projects and additional duties as required • Adhere to regulatory and compliance policies, standards, and applicable federal, state, and local laws • Complete required compliance training

🎯 Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience • 5+ years in commercial credit analysis, underwriting, or portfolio management • 5+ years of experience in the direct specialized line of business • 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 risk mitigation strategies • Experience managing complex portfolios and adhering to credit policies • Ability to communicate credit decisions effectively with 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 • No unusual physical exertion is involved

🏖️ Benefits

• 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