Credit Products Specialist - Power & Renewables

Position Title

Credit Products Specialist I
- Power & Renewables

Beverly Hills, CA 90212

The Credit Products Specialist I
- Power & Renewables 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, this position helps structure new loan transactions, conduct portfolio monitoring, and identify potential risks. The role provides foundational credit expertise and exposure to client relationships, supporting the bank’s commitment to responsible lending and portfolio growth.

• Assist sales in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages within 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 assigned portfolio.
• Analyze and resolve 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 linked to the job, completes required compliance trainings, and maintains compliance with applicable federal, state, and local laws and regulations.

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field, or 5+ years of equivalent experience.
• Minimum of 2+ years in credit underwriting, portfolio management, or a related field.
• 2+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.).
• 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:
  Ability to assess financial data, identify trends, and evaluate borrower creditworthiness.
• Detail Orientation:
  Ensures accuracy in financial analysis, credit packages, and risk assessments.
• Collaboration & Communication:
  Works effectively with RMs, credit officers, and other stakeholders; strong written and verbal communication skills.
• Time Management:
  Ability to 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, stay informed on industry trends, and apply new knowledge to underwriting and portfolio management.
• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.
• Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.
• Physical demands (ADA):
  No unusual physical exertion is involved.

If your work location qualifies for our enhanced market pricing, the following range will apply: $110,690 - $136,592.

Flagstar is an Equal Opportunity Employer.

We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program.

Benefits | Flagstar Bank.

Pay Range: $72,189.75 - $.

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…