Senior Credit Products Specialist - Technology, Media and Communication

Flagstar Bank; Charlotte (NC); On-site; USD 138,000 - 219,000; Full time

Benefits offered by this job

Medical, dental, vision insurance

Life insurance

Disability insurance

Generous leave program

Job summary

Flagstar Bank in Charlotte, NC is seeking a Senior Credit Products Specialist to lead structuring, underwriting, and management of highly complex credit relationships within technology, media and communications sectors.

The role also mentors junior staff, influences credit strategy, communicates with executives, negotiates credit agreements, and ensures portfolio health while supporting growth objectives.

Qualifications

• Undergraduate degree in Finance, Accounting, Economics, or related field or 12+ years of equivalent experience; MBA/CFA preferred.

Responsibilities

• Lead the structuring, analysis, and approval of highly complex credit transactions.
• Monitor portfolio risk and identify industry trends affecting credit quality.
• Engage with sales and senior leadership for negotiations and deal execution.
• Negotiate credit agreements with clients, legal counsel, and internal teams.
• Mentor junior credit professionals and promote best practices in underwriting.

Skills

Credit analysis

Portfolio management

Leadership

Negotiation

Communication

Education

Bachelor's degree in Finance/Accounting/Economics

MBA or CFA preferred

Job description

Senior Credit Products Specialist - Technology, Media and Communication

Location: Charlotte, NC 28202

Job Summary

The Senior Credit Products Specialist - Technology, Media and Communication 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

• 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.

Flagstar is an Equal Opportunity Employer - Vets/Disabled

Benefits

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

Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment.

Flagstar Bank Pay Range $138,432.00 - $219,086.00

Flagstar Bank, N.A. is based in Hicksville, NY, and at December 31, 2025, had $87.5 billion in assets, $60.7 billion in loans, $66 billion in deposits, and $8.1 billion in total stockholder equity. We are a leading regional bank with approximately 340 locations, and strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and the West Coast. We are driven by our commitment to partner with our clients to set and reach goals together, helping them to take charge and thrive.

Equal Opportunity Employer For more Information: EEOC_KnowYourRights Member FDIC/Equal Housing Lender