Strategic Credit Structuring & Underwriting Specialist I

Flagstar Bank; Northern (KY); Hybrid; USD 82,000 - 131,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

Paid time off

Job summary

Flagstar Bank is seeking a Credit Products Specialist I to support underwriting, structuring, and management of commercial credit relationships across lines of business. The role provides critical financial analysis and risk assessment to help structure new loan transactions, conduct portfolio monitoring, and identify potential risks.

The position offers collaboration with sales and credit teams, mentoring to analysts, and ongoing development of credit expertise within a regulated banking

Qualifications

• Education level preferred: Undergraduate Degree in Finance, Accounting, Economics, or related field; or 5+ years of equivalent experience.
• Minimum experience: 3+ years in credit underwriting, portfolio management, or related field.
• 3+ years in direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking).

Responsibilities

• Loan Structuring & Underwriting: Assist sales in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages within assigned specialized vertical or region.
• Portfolio Management: Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions.
• Client & Internal Partner Collaboration: Work alongside sales and credit teams to structure deals, address underwriting inquiries, and support client needs.
• Act as a mentor to analysts, sharing expertise in financial analysis, credit structuring, and risk assessment.
• Credit Knowledge Development: Stay informed on market trends, credit policies, and risk mitigation techniques to strengthen expertise in commercial lending.
• 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.

Skills

Financial analysis

Risk assessment

Credit structuring

Portfolio management

Communication

Team collaboration

Education

Bachelor's degree in Finance/Accounting/Economics

Tools

Credit decision tools

Financial modeling software

Job description

Flagstar Bank is seeking a Credit Products Specialist I to support underwriting, structuring, and management of commercial credit relationships across lines of business. The role provides critical financial analysis and risk assessment to help structure new loan transactions, conduct portfolio monitoring, and identify potential risks.

The position offers collaboration with sales and credit teams, mentoring to analysts, and ongoing development of credit expertise within a regulated banking