Credit Products Specialist Sr - Lender Finance

Position

Credit Products Specialist Sr - Lender Finance.

Location:

Nationwide; MI 48098.

The Senior Credit Products Specialist – Lender Finance 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 position ensures long‑term portfolio health while supporting the bank’s growth objectives.

The specialist also serves as a mentor and thought leader, developing junior credit professionals and shaping best practices in underwriting and risk management.

• Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs within the assigned vertical or region.
• Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
• Serve as a strategic partner to sales 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, providing training and leadership in credit‑risk best practices and identifying improvement areas for senior 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 and responsibilities as required.
• Consistently adhere to regulatory and compliance policies and standards, completing required compliance trainings and maintaining compliance with applicable federal, state, and local laws.

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience.
• 8+ years in commercial credit analysis/structuring, underwriting, portfolio management, and risk analysis.
• 8+ years of experience in the direct specialized line of business (specialized commercial industries, capital markets, corporate commercial banking, etc.).
• 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 of credit agreements, with capability to develop junior associates, interact with legal counsel, and negotiate directly with clients.

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

• Strategic credit expertise and deep knowledge of complex commercial lending structures.
• High‑level risk oversight and macro‑level assessment of portfolio risk.
• Strong client and executive engagement capabilities.
• Expertise in negotiating complex loan terms, partnering with legal counsel and senior relationship managers.
• Leadership and mentorship of junior credit professionals.
• Change management and innovation, identifying opportunities for process improvement.
• Regulatory and policy knowledge, with deep understanding of credit policies and compliance standards.
• Executive‑level communication to articulate complex credit decisions.
• Ability to build and maintain effective relationships with stakeholders across functions.

Flagstar is an Equal Opportunity Employer. Qualified applicants with arrest or conviction records will be considered for employment in accordance with applicable fair‑chance ordinances and acts.

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