Senior CRE Credit Portfolio Lead & Deal Architect

Flagstar Bank; Troy (AL); On-site; USD 106,000 - 166,000; Full time

Job summary

Flagstar Bank in Troy, MI is seeking a Senior CRE Credit Products Portfolio Manager to lead the structuring, negotiation, and management of highly complex commercial credit relationships. The role provides strategic risk insights, mentors junior staff, and drives best practices in underwriting and risk management.

The candidate should have extensive experience in credit analysis, portfolio management, and cross-functional leadership, with a track record of delivering value to executives and

Qualifications

• Undergraduate Degree in Finance, Accounting, Economics, or 12+ years of equivalent experience.
• 10+ years in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis.
• Deep expertise in structuring and negotiating complex credit agreements.
• Strong leadership with the ability to influence credit strategy and policy.
• In-depth understanding of macroeconomic factors affecting credit risk.
• Proven ability to manage large portfolios and advise senior executives.
• Excellent communication and stakeholder management skills.

Responsibilities

• Lead the structuring, analysis, and approval of highly complex credit transactions.
• Proactively monitor portfolio risk, identify industry trends and economic factors impacting credit quality.
• Engage with RMs and senior leadership on credit negotiations and deal execution.
• Negotiate credit agreements with clients, legal counsel, and internal teams.
• Mentor junior credit professionals and lead best practices in credit risk management.
• Use independent judgement and discretion to make decisions regarding assigned portfolio.
• Analyze and resolve problems pertaining to the assigned portfolio.

Skills

Credit risk analysis

Underwriting

Portfolio management

Negotiation

Leadership

Stakeholder management

Regulatory awareness

Education

Undergraduate Degree in Finance, Accounting, Economics, or related field

Master’s Degree (MBA) or CFA preferred

Job description

Flagstar Bank in Troy, MI is seeking a Senior CRE Credit Products Portfolio Manager to lead the structuring, negotiation, and management of highly complex commercial credit relationships. The role provides strategic risk insights, mentors junior staff, and drives best practices in underwriting and risk management.

The candidate should have extensive experience in credit analysis, portfolio management, and cross-functional leadership, with a track record of delivering value to executives and