Credit Products Specialist II - Corporate Banking

Job Summary

The Credit Products Specialist II – Corporate Banking plays a key role in structuring and underwriting complex corporate credit transactions while managing an assigned loan portfolio. This position is responsible for structuring, diligencing, underwriting and recommending new leveraged corporate banking loan requests while adhering to the bank’s credit policy and established credit standards and guidelines. By proactively monitoring portfolio performance, identifying emerging risks, and timely recommending risk rating changes, 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 corporate banking loan requests, assess creditworthiness, prepare credit approval packages, and recommend risk‑mitigating structures.
• Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns; facilitate timely upgrades or downgrades of risk ratings.
• Partner with RMs 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 to leadership improvement areas in credit processes and procedures.
• Use independent judgment and discretion to make decisions regarding assigned portfolio.
• Analyze and resolve problems pertaining to assigned portfolio.
• Perform special projects and additional duties as required.
• Consistently adhere to regulatory and compliance policies and standards; complete required compliance trainings.
• Accountable to maintain compliance with applicable federal, state, and local laws and regulations.

• Undergraduate degree in Finance, Accounting, Economics, or related field
  ** or
  * * 10+ years of equivalent experience.
• Minimum 4+ years in corporate banking or leveraged finance credit analysis, underwriting, or portfolio management.
• Advanced financial modeling and risk assessment expertise.
• Strong negotiation skills and ability to collaborate with clients.
• Strong written and verbal communication skills.
• Experience structuring complex leveraged corporate banking loan transactions.
• Experience underwriting participations in syndicated leveraged corporate banking transactions.
• Ability to analyze macroeconomic trends and their impact on credit risk.

• Advanced Financial & Credit Analysis: command of financial modeling and industry‑specific credit risks.
• Risk Assessment & Decision‑Making: proactively identify potential credit risks and recommend mitigation strategies.
• Negotiation
  
  Skills:
  
  structure loan terms aligning client needs with risk parameters.
• Process & Portfolio Management: manage complex portfolios and ensure adherence to credit policies.
• Stakeholder Influence: build strong relationships with internal and external partners; communicate credit decisions.
• Project Management: drive loan structuring and closing processes with minimal oversight.
• Legal & Compliance Understanding: familiarity with credit agreements, loan documentation, and regulatory requirements.
• Technology & Data Utilization: proficiency in financial analysis tools, CRM systems, and underwriting software including nCino.
• Strong relationship‑building ability; communicate clearly; collaborate proactively; leverage cross‑functional insights.
• Align relationship‑building efforts with enterprise goals to accelerate performance and drive strategic results.
• Work autonomously, handle multiple projects simultaneously, manage workflow to tight deadlines, and adapt to new demands.
• Build trusted client relationships by identifying needs and delivering tailored solutions.

Physical demands (ADA):
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. Flagstar is an equal opportunity employer.

Equal Opportunity Employer For more information:  Member FDIC/Equal Housing Lender.