Credit Products Specialist II-Specialized

Credit Products Specialist II-Specialized

The Credit Products Specialist II Specialized 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 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.

Job Responsibilities :

• Credit Structuring & Underwriting : Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures within the assigned specialized vertical or region.
• Portfolio & Risk Management : Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns.
• Client & Stakeholder Engagement : Partner with sales in negotiations and client discussions, ensuring alignment between client needs and risk appetite.
• Credit Agreement Review : Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks.
• Mentorship & Training : Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture.
• Uses independent judgement and discretion to make decisions regarding assigned portfolio.
• Analyzes and resolves problems pertaining to the assigned portfolio.

Additional Accountabilities :

Job Requirements :

Required Qualifications :

Job Competencies :

Flagstar is an Equal Opportunity Employer

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 appliable.