Senior Credit Products Specialist – Equipment Finance

🔥 0 minutes ago

🚗 Michigan – Remote

🚗 Michigan – Remote

💵 $123.5k - $198.4k / year

⏰ Full Time

🟠 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 the structuring, analysis, and approval of highly complex credit transactions • Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality • Serve as a strategic partner to sales and senior leadership, offering expertise in credit negotiations and deal execution • Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements • Mentor junior credit professionals, providing training and leadership in credit risk best practices • Proactively identify and raise to senior leadership improvement areas in credit processes and procedures • Analyze and resolve problems pertaining to the assigned portfolio • Perform special projects, and additional duties and responsibilities as required

🎯 Requirements

• Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience • Minimum experience required: 8+ Years in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis • 8+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.) • 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. • As relevant for the supported line of business, well versed in legal documentation (e.g., Credit Agreements) and positioned to both develop more junior associates on the topic, interact with internal and external legal counsel, and negotiate directly with clients.

🏖️ Benefits

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