Credit Products Specialist II - Private Banking

Job Summary

The Credit Products Specialist II – Private Banking plays a key role in structuring and underwriting complex commercial credit transactions while managing an assigned loan portfolio. The position is responsible for independently analyzing credit risk, negotiating loan terms, and providing strategic recommendations to relationship and credit teams. By proactively monitoring portfolio performance and identifying emerging risks, this role ensures sound credit decisions and long‑term client success.

The position also supports the professional development of junior team members by sharing expertise and best practices.

• Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk‑mitigating structures.
• Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns.
• Partner with relationship managers in negotiations and client discussions, ensuring alignment between client needs and risk appetite.
• Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk‑management frameworks.
• Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture.
• Identify and raise improvement areas in credit processes and procedures to 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.
• Consistently adhere to regulatory and compliance policies and standards.
• Maintain compliance with applicable federal, state, and local laws and regulations.

Education & Experience

• Undergraduate degree (4 years) in Finance, Accounting, Economics, or a related field, or equivalent experience.
• Minimum 4+ years of commercial credit analysis, underwriting, or portfolio management experience.
• Advanced financial modeling and risk assessment expertise.
• Strong negotiation skills and ability to collaborate with clients.
• Experience structuring complex loan transactions.
• Ability to analyze macroeconomic trends and their impact on credit risk.

Job Competencies

• Advanced financial and credit analysis, including financial modeling and industry‑specific credit risks.
• Proactive risk assessment and mitigation strategy development.
• Collaboration with relationship managers and clients on loan terms.
• Portfolio-level management and adherence to credit policies.
• Stakeholder influence and effective communication of credit decisions.
• Project management to drive loan structuring and closing processes.
• Understanding of legal and compliance aspects of credit agreements.
• Proficiency in financial analysis tools, CRM systems, and underwriting software.

No unusual physical exertion is involved.

Flagstar is an Equal Opportunity Employer. Flagstar Bank is committed to ensuring that we provide a diverse and inclusive workplace.