Senior CRE Credit Strategy & Portfolio Lead

Flagstar Bank, N.A.; Macon (GA); On-site; USD 106,000 - 166,000; Full time

Job summary

Flagstar Bank, N.A. in Troy, MI is seeking a Senior CRE Credit Products Portfolio Manager to lead complex credit structuring and negotiate credit agreements. You will mentor junior staff, oversee portfolio risk, and partner with senior leadership to shape underwriting and risk practices.

The role emphasizes strategic credit leadership, macroeconomic analysis, and ensuring portfolio health aligned with growth objectives. Equal opportunity employer with comprehensive benefits.

Qualifications

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience.
• Minimum 10+ Years in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis.
• Deep expertise in structuring and negotiating complex credit agreements.
• Strong leadership skills with the ability to influence credit strategy and policy.
• In-depth understanding of macroeconomic factors and their impact on credit risk.
• Proven ability to manage large portfolios and advise senior executives.
• Excellent communication and stakeholder management skills.

Responsibilities

• Complex Credit Structuring & Underwriting: Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs.
• Portfolio Strategy & Risk Oversight: Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
• Client & Executive Leadership Engagement: Serve as a strategic partner to RMs and senior leadership, offering expertise in credit negotiations and deal execution.
• Credit Agreement Negotiation: Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
• Team Leadership & Mentorship: Mentor junior credit professionals, providing training and leadership in credit risk best practices. Proactively identifies and raises to senior leadership improvement areas in credit processes and procedures.
• Uses independent judgement and discretion to make decisions regarding assigned portfolio.
• Analyzes and resolves problems pertaining to the assigned portfolio.

Skills

Leadership

Communication

Credit market insight

Strategic influence

Education

Undergraduate Degree in Finance/Accounting/Economics

12+ years equivalent experience in credit/portfolio

Tools

Credit agreements experience

Job description

Flagstar Bank, N.A. in Troy, MI is seeking a Senior CRE Credit Products Portfolio Manager to lead complex credit structuring and negotiate credit agreements. You will mentor junior staff, oversee portfolio risk, and partner with senior leadership to shape underwriting and risk practices.

The role emphasizes strategic credit leadership, macroeconomic analysis, and ensuring portfolio health aligned with growth objectives. Equal opportunity employer with comprehensive benefits.