Flagstar Bank, N.A

Credit Products Specialist Senior - Equipment Finance

Work From Home United States · Senior

Sponsorship not specified$124k-$198kDetected 20 days ago

Stakeholder ManagementNegotiationAccountingProcess ImprovementLeadershipCommunicationCollaborationMentoringUnderwritingCFA

About the role

The Senior Credit Products Specialist - Equipment 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, this position ensures long-term portfolio health while supporting the bank's growth objectives.

Complex Credit Structuring & Underwriting: Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs with the assigned specialized vertical or region.
Client & Executive Leadership Engagement: Serve as a strategic partner to sales and senior leadership, offering expertise in credit negotiations and deal execution.
Additionally, this role serves as a mentor and thought leader, developing junior credit professionals and shaping best practices in underwriting and risk management.

Minimum experience required: 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.
Performs special projects, and additional duties and responsibilities as required.
Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings.
Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience

Job Competencies:
Strategic Credit Expertise: Deep knowledge of complex commercial lending structures, industry trends, and economic factors impacting credit risk.
High-Level Risk Oversight: Ability to assess portfolio risk at a macro level, identifying patterns and trends that inform credit strategy.
Client & Executive Engagement: Strong ability to interact with senior leadership, legal teams, and high-profile clients on structuring and negotiating credit agreements.
Deal Structuring & Negotiation: Expertise in negotiating complex loan terms, partnering with legal counsel and senior RMs to finalize agreements.
Change Management & Innovation: Identifies opportunities for process improvement, technology adoption, and best practice implementation.
Regulatory & Policy Knowledge: Deep understanding of credit policies, compliance standards, and legal considerations in lending.
Executive-Level Communication: Ability to articulate complex credit decisions clearly and persuasively to internal and external stakeholders.

$123,524.25 - $198,417.00
Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment.

We are committed to providing clear and accurate compensation information in accordance with applicable laws.

This listing is sourced directly from Flagstar Bank, N.A's careers page and normalized into a canonical job model.