Senior Credit Products Specialist - Private Banking

Position Title

Senior Credit Products Specialist
- Private Banking

Walnut Creek, CA 94596

The Senior Credit Products Specialist
- Private Banking is a strategic advisor responsible for structuring, negotiating, and managing highly complex commercial credit relationships. This role influences credit strategy by providing deep market insights, proactive risk identification, and innovative deal structuring solutions. With extensive experience in credit analysis and portfolio management, this position ensures long-term portfolio health while supporting the bank’s growth objectives. Additionally, this role serves as a mentor and thought leader, developing junior credit professionals and shaping best practices in underwriting and risk management.

• Complex Credit Structuring & Underwriting:
  Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs.
• Portfolio Strategy & Risk Oversight:
  Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
• Client & Executive Leadership Engagement:
  Serve as a strategic partner to RMs and senior leadership, offering expertise in credit negotiations and deal execution.
• Credit Agreement Negotiation:
  Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
• Team Leadership & Mentorship:
  Mentor junior credit professionals, providing training and leadership in credit risk best practices; proactively identify and raise improvement areas to senior leadership.
• Uses independent judgement and discretion to make decisions regarding assigned portfolio.
• Analyzes and resolves problems pertaining to the assigned portfolio.

• Performs special projects, and additional duties and responsibilities as required.
• Consistently adheres to regulatory and compliance policies and standards and complete required compliance trainings; accountable to maintain compliance with applicable federal, state and local laws and regulations.

• Education:
  
  Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience.
• Experience:
  
  8+ years in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis.
• 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 (e.g., Credit Agreements) and able to develop junior associates, interact with internal and external legal counsel, and negotiate directly with clients.

• Education:
  
  Master's Degree (or Postgraduate equivalent) MBA or CFA preferred.

• Strategic Credit Expertise.
• High-Level Risk Oversight.
• Client & Executive Engagement.
• Deal Structuring & Negotiation.
• Leadership & Mentorship.
• Change Management & Innovation.
• Regulatory & Policy Knowledge.
• Executive-Level Communication.
• Relationship Building with stakeholders.
• Client Relationship Building.
• Physical demands:
  No unusual physical exertion is involved.

$163,493 – $193,738.

Flagstar is an Equal Opportunity Employer.

Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as applicable.