Senior Credit Products Specialist - TMC & Entertainment

Senior Credit Products Specialist – TMC & Entertainment

Location:

Charlotte, NC 28202

The Senior Credit Products Specialist 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, the specialist ensures long‑term portfolio health while supporting the bank’s growth objectives. The role also mentors junior credit professionals and shapes best practices in underwriting and risk management.

• Lead the structuring, analysis, and approval of highly complex credit transactions, balancing risk with business needs.
• Proactively monitor portfolio risk, identifying industry trends and economic factors that impact credit quality.
• Serve as a strategic partner to relationship managers 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 and provide leadership in credit‑risk best practices.
• Identify and raise improvement areas in credit processes to senior leadership.
• 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 complete required compliance trainings.

• Undergraduate degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field, or 12+ years of equivalent experience.
• 8+ years of experience 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 capable of negotiating directly with clients and legal counsel.

• Master’s degree (or postgraduate equivalent), MBA or CFA.

• Strategic credit expertise: deep knowledge of complex commercial lending structures, industry trends, and economic factors impacting credit risk.
• High‑level risk oversight: assess portfolio risk at a macro level with trend analysis.
• Client and executive engagement: interact effectively with senior leadership, legal teams, and high‑profile clients.
• Deal structuring and negotiation: negotiate complex loan terms with legal counsel and senior RMs.
• Leadership and mentorship: develop junior professionals and foster a strong credit culture.
• Change management and innovation: identify opportunities for process improvement, technology adoption, and best‑practice implementation.
• Regulatory and policy knowledge: deep understanding of credit policies, compliance standards, and legal considerations.
• Executive‑level communication: articulate complex credit decisions clearly and persuasively.
• Relationship building: align efforts with enterprise goals to accelerate performance and strategic results.

No unusual physical exertion is involved.

Flagstar is an Equal Opportunity Employer. We are committed to providing clear and accurate compensation information in accordance with applicable laws. The company provides a diverse workforce and encourages applications from all qualified individuals.

Flagstar provides teammates access to medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program.

Pay Range: $ – $