[Remote] Credit Products Specialist II - Franchise Finance

Note: The job is a remote job and is open to candidates in USA. Flagstar Bank is seeking a Credit Products Specialist II – Franchise Finance to play a key role in structuring and underwriting complex commercial credit transactions. This position will manage an assigned loan portfolio, analyze credit risks, negotiate loan terms, and support the development of junior team members.ResponsibilitiesLead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures within the assigned specialized vertical or regionContinuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concernsPartner with sales in negotiations and client discussions, ensuring alignment between client needs and risk appetiteCollaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworksProvide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit cultureIdentifies and raises to leadership improvement areas in credit processes and proceduresUses independent judgement and discretion to make decisions regarding assigned portfolioAnalyzes and resolves problems pertaining to the assigned portfolioPerforms special projects, and additional duties and responsibilities as requiredConsistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulationsSkillsEducation level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experienceMinimum experience required: 4+ Years in commercial credit analysis, underwriting, or portfolio management4+ 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 expertiseStrong negotiation skills and ability to collaborate with clientsExperience structuring complex loan transactionsAbility to analyze macroeconomic trends and their impact on credit riskBenefitsMedical, dental, vision, life, and disability insuranceA comprehensive leave programVariable incentives, bonuses, commissions, or other awards as outlined in the offer of employmentCompany OverviewThank you for visiting Flagstar Bank, N.A. on LinkedIn, and we look forward to being part of your financial journey. It was founded in 1987, and is headquartered in Troy, Michigan, USA, with a workforce of 5001-10000 employees. Its website is http://www.flagstar.com/.