Flagstar Bank N.A. was acquired by New York Community Bancorp, Inc., the holding company for Flagstar Bank N.A.
Credit Products Specialist II – Dealer Finance
Location
Michigan
Posted
14 days ago
Salary
$104.2K - $169.8K / year
Seniority
Senior
Job Description
Credit Products Specialist II – Dealer Finance
Flagstar Bank
• 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.
Job Requirements
- Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience
- Minimum experience required: 4+ Years in commercial credit analysis, underwriting, or portfolio management.
- 4+ years of experience 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.
Benefits
- medical, dental, vision, life, and disability insurance
- comprehensive leave program
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