Credit Products Specialist II - Sponsor Finance

Position Title

Credit Products Specialist II - Sponsor Finance

New York, NY 10018

The Credit Products Specialist II – Sponsor Finance plays a key role in structuring and underwriting complex commercial credit transactions while managing an assigned loan portfolio within a specialized vertical or region. This position independently analyzes credit risk, negotiates loan terms, and provides strategic recommendations to relationship and credit teams. By proactively monitoring portfolio performance and identifying emerging risks, the 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 within the assigned specialized vertical or region.
• Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns.
• Partner with sales 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 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.
• 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.
• 4+ years in commercial credit analysis, underwriting, or portfolio management.
• 4+ years in the direct specialized line of business (specialized commercial industries, capital markets, corporate commercial banking, etc.).
• 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.

• Advanced Financial and Credit Analysis: command of financial modeling, industry‑specific credit risks, and structuring commercial credit transactions.
• Risk Assessment and Decision‑Making: proactively identify potential credit risks and recommend risk mitigation strategies.
• Negotiation
  
  Skills:
  
  work with RMs and clients to structure loan terms that align with client needs and risk parameters.
• Process and Portfolio Management: manage complex portfolios, ensuring proactive monitoring and adherence to credit policies.
• Stakeholder Influence: build strong relationships with internal and external partners, effectively communicating credit decisions.
• Project Management: drive loan structuring and closing processes with minimal oversight.
• Legal and Compliance Understanding: familiarity with credit agreements, loan documentation, and regulatory requirements.
• Technology and Data Utilization: proficiency in financial analysis tools, CRM systems, and underwriting software. Demonstrates strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross‑functional insights.
• Align relationship building efforts with enterprise goals to accelerate performance and drive strategic results.
• Build trusted client relationships, identify needs and deliver tailored solutions to enhance the overall client experience.

No unusual physical exertion is involved.

Flagstar is an Equal Opportunity Employer and is committed to providing clear and accurate compensation information in accordance with applicable laws. 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.

Pay Range: $ – $. Benefit components include medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program.