Senior Credit Products Specialist - Power & Renewables

Flagstar Bank; Oregon; Híbrido; USD 138.000 - 219.000; Tempo integral

Benefícios oferecidos por esta vaga

Medical insurance

Dental insurance

Vision insurance

Life insurance

Paid leave

Resumo da vaga

Flagstar Bank is seeking a Senior Credit Products Specialist - Power & Renewables to structure, negotiate, and manage highly complex commercial credit relationships. You will influence credit strategy by delivering market insights, proactive risk identification, and innovative deal structures, while mentoring junior staff and shaping underwriting practices.

The role emphasizes leadership in credit risk, regulatory alignment, and collaboration with senior executives to drive portfolio health and

Qualificações

• Undergraduate degree preferred in Finance, Accounting, Economics or related field; 12+ years of equivalent experience or MBA/CFA preferred.
• 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 with ability to influence credit strategy and policy.

Responsabilidades

• Lead the structuring, analysis, and approval of highly complex credit transactions.
• Proactively monitor portfolio risk and identify trends impacting credit quality.
• Engage with sales and senior leadership as a strategic partner in negotiations and deal execution.
• Negotiate credit agreements with clients, counsel, and internal teams.
• Mentor junior credit professionals and promote best practices in credit risk.

Conhecimentos

Leadership

Stakeholder management

Credit analysis

Communication

Executive engagement

Formação

Bachelor's degree in Finance/Accounting/Economics or related field

MBA or CFA preferred

12+ years of equivalent experience or Master’s degree

Descrição da vaga

Position Title

Senior Credit Products Specialist - Power & Renewables

Location

Nationwide, MI 48098

Job Summary

The Senior Credit Products Specialist - Power & Renewables is a strategic advisor responsible for structuring, negotiating, and managing highly complex commercial credit relationships within an aligned LOB such as, but not limited to, Corporate Banking, Private Banking (including Private Banking Mortgage), Regional Commercial Banking, or Specialized Industries. 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. Additionally, this role serves as a mentor and thought leader, developing junior credit professionals and shaping best practices in underwriting and risk management.

Job Responsibilities

• 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.
• 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 sales 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.

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

Preferred Qualifications

• Education level preferred: Undergraduate Degree (4 years or equivalent) Bachelor's degree in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience, or Master's Degree (or Postgraduate equivalent) MBA or CFA preferred.
• Minimum experience required: 10+ Years in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis
• 10+ 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.
• In-depth understanding of macroeconomic factors and their impact on credit risk.
• Proven ability to manage large portfolios and advise senior executives.
• Exceptional communication and stakeholder management skills.
• As relevant for the supported line of business, well versed in legal documentation (e.g., Credit Agreements) and positioned to both develop more junior associates on the topic, interact with internal and external legal counsel, and negotiate directly with clients.

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.
• Leadership & Mentorship: Serves as a mentor to junior credit professionals, developing talent and fostering a strong credit culture.
• 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.
• Physical demands (ADA): No unusual physical exertion is involved.

Benefits and Compensation

Flagstar is an Equal Opportunity Employer - Vets/DisabledWe 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. Benefits | Flagstar BankPay Range $138,432.00 - $219,086.00Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as appliable.

• Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program.