Credit Product Specialist - Entertainment Vertical

Position Title:

Credit Product Specialist I – Entertainment Vertical

Location:

Beverly Hills, CA 90212

Pay range: $72,187 - $123,815 annually.

The Credit Products Specialist I – Specialized supports the underwriting, structuring, and management of commercial credit relationships with assigned specialized vertical or region. This role exists to provide critical financial analysis, assist in risk assessment, and ensure sound credit decision‑making. As a key partner to sales, it helps structure new loan transactions, conduct portfolio monitoring, and identify potential risks.

• Assist sales in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages within the assigned specialized vertical or region.
• Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions.
• Work alongside sales and credit teams to structure deals, address underwriting inquiries, and support client needs.
• Act as a mentor to analysts, sharing expertise in financial analysis, credit structuring, and risk assessment.
• Stay informed on market trends, credit policies, and risk mitigation techniques to strengthen expertise in commercial lending.
• Use independent judgement 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.
• Consistently adhere to regulatory and compliance policies and standards linked to the job and complete required compliance trainings.

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field, or 5+ years of equivalent experience.
• Minimum 2+ years in credit underwriting, portfolio management, or a related field.
• 2+ years of experience in the direct specialized line of business (e.g., specialized commercial industries, capital markets, corporate commercial banking).
• Strong financial analysis and risk assessment abilities.
• Basic understanding of loan structuring and credit agreements.
• Proficiency in financial modeling and credit decision tools.
• Effective communication and teamwork skills.

• Financial Acumen – strong foundational understanding of financial statements, key ratios, and credit analysis principles.
• Analytical Thinking – assess financial data, identify trends, and evaluate borrower creditworthiness.
• Detail Orientation – ensure accuracy in financial analysis, credit packages, and risk assessments.
• Collaboration & Communication – work effectively with RMs, credit officers, and other stakeholders; strong written and verbal communication skills.
• Time Management – manage multiple loan requests, meet deadlines, and prioritize tasks effectively.
• Technology Proficiency – intermediate Excel skills (financial modeling, pivot tables, VLOOKUP); familiarity with credit analysis software.
• Curiosity & Learning Agility – willingness to develop credit expertise and stay informed on industry trends.

No unusual physical exertion is involved.

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.