Senior Credit Products Specialist – Franchise Finance

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $138.4k - $219.1k / year

⏰ Full Time

🟠 Senior

💸 Financial Planning and Analysis (FP&A)

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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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 the structuring, analysis, and approval of highly complex credit transactions • Balance credit risk with business needs within the assigned specialized vertical or region • Proactively monitor portfolio risk and identify industry trends and economic factors affecting credit quality • Serve as a strategic partner to sales and senior leadership on credit negotiations and deal execution • Work with clients, legal counsel, and internal teams to structure and negotiate credit agreements • Mentor junior credit professionals and provide training in credit risk best practices • Identify and raise credit process and procedure improvement areas to senior 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 • Maintain compliance with applicable policies, standards, laws, and regulations • Complete required compliance training • Serve as a strategic advisor and thought leader supporting portfolio health and bank growth objectives

🎯 Requirements

• Undergraduate degree (4 years or equivalent) preferred; Bachelor’s degree in Finance, Accounting, Economics, or a related field, or 12+ years of equivalent experience • Master’s degree or postgraduate equivalent, MBA, or CFA preferred • 10+ years in commercial credit analysis, structuring, underwriting, portfolio management, and risk analysis • 10+ years of experience in the direct specialized line of business • 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 • Well versed in legal documentation, including credit agreements, as relevant to the supported line of business • Ability to develop junior associates, interact with internal and external legal counsel, and negotiate directly with clients • Knowledge of complex commercial lending structures, industry trends, credit policies, compliance standards, and legal considerations in lending • 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