CRE Portfolio Manager

Flagstar Bank; Hicksville Township (OH); On-site; USD 65,000 - 104,000; Full time

Job summary

Flagstar Bank in Hicksville, NY is seeking a CRE Credit Products Portfolio Manager I to support underwriting, structuring, and management of commercial credit relationships. You will deliver critical financial analysis, assist in risk assessment, and help RMs structure new loan transactions while monitoring a growing portfolio.

The role emphasizes independent judgment, collaboration with sales and credit teams, mentoring analysts, and staying current with market trends and credit policies to

Qualifications

• Prerequisite undergrad degree in Finance, Accounting, Economics, or related field.
• Minimum 2+ years in credit underwriting, portfolio management, or related area.
• Strong financial analysis and risk assessment skills.
• Proficiency in financial modeling and credit decision tools.

Responsibilities

• Assist RMs in structuring and underwriting loan transactions.
• Monitor portfolio trends, covenant compliance, and borrowing bases.
• Collaborate with sales and credit teams to structure deals and address inquiries; mentor analysts.
• Stay informed on market trends and credit policies to strengthen credit expertise.
• Uses independent judgement to make decisions regarding assigned portfolio.

Skills

Credit underwriting

Portfolio management

Financial analysis

Credit risk

Financial modeling

Excel

Communication

Teamwork

Credit decision tools

Education

Undergraduate degree in Finance/Accounting/Economics

Tools

Credit analysis software

Loan underwriting systems

Job description

Position Title

CRE Portfolio Manager

Location

Hicksville, NY 11801

Job Summary

The CRE Credit Products Portfolio Manager I supports the underwriting, structuring, and management of commercial credit relationships. This role exists to provide critical financial analysis, assist in risk assessment, and ensure sound credit decision-making. As a key partner to Relationship Managers (RMs), this position helps structure new loan transactions, conduct portfolio monitoring, and identify potential risks. The role provides foundational credit expertise and exposure to client relationships, supporting the bank's commitment to responsible lending and portfolio growth.

Job Responsibilities

• Loan Structuring & Underwriting : Assist RMs in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages.
• Portfolio Management : Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions.
• Client & Internal Partner Collaboration : Work alongside sales and credit teams to structure deals, address underwriting inquiries, and support client needs. Act as a mentor to analysts, sharing expertise in financial analysis, credit structuring, and risk assessment.
• Credit Knowledge Development : Stay informed on market trends, credit policies, and risk mitigation techniques to strengthen expertise in commercial lending.
• Uses independent judgement and discretion to make decisions regarding assigned portfolio

ADDITIONAL ACCOUNTABILITIES

• 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. Accountable to maintain compliance with applicable federal, state and local laws and regulations.

JOB REQUIREMENTS

Required Qualifications

• Education level required: Undergraduate Degree (4 years or equivalent)in Finance, Accounting, Economics, or a related field or 5+ years of equivalent experience.
• Minimum experience required: 2+ Years in credit underwriting, portfolio management, or a related field.
• Strong financial analysis and risk assessment abilities.
• Basic understanding of loan structuring and credit agreements.
• Proficiency in financial modeling and credit decision tools.
• Effective communication and teamwork skills.

Job Competencies

• Financial Acumen: Strong foundational understanding of financial statements, key ratios, and credit analysis principles.
• Analytical Thinking: Ability to assess financial data, identify trends, and evaluate borrower creditworthiness.
• Detail Orientation: Ensures accuracy in financial analysis, credit packages, and risk assessments.
• Collaboration & Communication: Works effectively with RMs, credit officers, and other stakeholders; strong written and verbal communication skills.
• Time Management: Ability to manage multiple loan requests, meet deadlines, and prioritize tasks effectively.
• Technology Proficiency: Intermediate Excel skills (financial modeling, pivot tables, VLOOKUP), familiarity with credit analysis software.
• Curiosity & Learning Agility: Willingness to develop credit expertise, stay informed on industry trends, and apply new knowledge to underwriting and portfolio management.
• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.
• Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.
• Fosters or supports a positive work culture and productive work environment, displaying importance of effective relationships with customers and stakeholders.
• Physical demands (ADA): No unusual physical exertion is involved.

Flagstar is an Equal Opportunity Employer

We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program.

Pay Range

$64,501.50 - $103,677.00