Remote Credit Structuring & Underwriting Specialist II

Flagstar Bank; United States; Remote; USD 100,000 - 158,000; Full time

Job summary

Flagstar Bank is seeking a Credit Products Specialist II to structure and underwrite complex commercial credits and actively manage an assigned loan portfolio. You will analyze risk, negotiate terms, and provide strategic recommendations to relationship and credit teams.

The role emphasizes monitoring performance, identifying emerging risks, and supporting junior team members with expertise and training. Strong collaboration with RMs and legal teams is essential.

Qualifications

• Bachelor's degree in Finance or related field or 4+ years of equivalent experience.
• 4+ years in commercial credit analysis, underwriting, or portfolio management.
• Strong financial modeling and risk assessment skills.

Responsibilities

• Lead underwriting for complex loan requests and assess credit risk.
• Monitor portfolio for credit risks, trends, and performance concerns.
• Collaborate with relationship managers and clients on terms.
• Review and negotiate credit agreements ensuring policy compliance.
• Mentor junior credit professionals and share best practices.
• Use judgment to make decisions on the assigned portfolio.
• Resolve issues pertaining to the portfolio.

Skills

Advanced Financial & Credit Analysis

Risk Assessment & Decision-Making

Negotiation Skills

Process & Portfolio Management

Stakeholder Influence

Project Management

Legal & Compliance Understanding

Technology & Data Utilization

Relationship Building

Education

Bachelor's degree in Finance or related field

Tools

CRM systems

Underwriting software

Job description

Flagstar Bank is seeking a Credit Products Specialist II to structure and underwrite complex commercial credits and actively manage an assigned loan portfolio. You will analyze risk, negotiate terms, and provide strategic recommendations to relationship and credit teams.

The role emphasizes monitoring performance, identifying emerging risks, and supporting junior team members with expertise and training. Strong collaboration with RMs and legal teams is essential.