Credit Products Specialist II

Position Title Credit Products Specialist II Location Work From Home FL, FL 32302 Job Summary The Credit Products Specialist II plays a key role in structuring and underwriting complex commercial credit transactions while managing an assigned loan portfolio. This position is responsible for independently analyzing credit risk, negotiating loan terms, and providing strategic recommendations to relationship and credit teams. By proactively monitoring portfolio performance and identifying emerging risks, this role ensures sound credit decisions and long-term client success. The position also supports the professional development of junior team members by sharing expertise and best practices. Pay Range: $99,732 - $132,144 - $164,557 Job Responsibilities: Credit Structuring & Underwriting: Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures. Portfolio & Risk Management: Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns. Client & Stakeholder Engagement: Partner with RMs in negotiations and client discussions, ensuring alignment between client needs and risk appetite. Credit Agreement Review: Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks. Mentorship & Training: Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture. Identifies and raises to 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. 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. Required Qualifications: Education level required: High School Diploma or Equivalent. Education level preferred: Undergraduate Degree (4 years or equivalent). Minimum experience required: 4 Years in commercial credit analysis, underwriting, or portfolio management. Advanced financial modeling and risk assessment expertise. Strong negotiation skills and ability to collaborate with clients. Experience structuring complex loan transactions. Ability to analyze macroeconomic trends and their impact on credit risk. Advanced Financial & Credit Analysis: Strong command of financial modeling, industry-specific credit risks, and structuring commercial credit transactions. Risk Assessment & Decision-Making: Ability to proactively identify potential credit risks and recommend risk mitigation strategies. Negotiation Skills: Works with RMs and clients to structure loan terms that align with both client needs and risk parameters. Process & Portfolio Management: Manages complex portfolios, ensuring proactive monitoring and adherence to credit policies. Stakeholder Influence: Builds strong relationships with internal and external partners, effectively communicating credit decisions. Project Management: Ability to drive loan structuring and closing processes with minimal oversight. Legal & Compliance Understanding: Familiarity with credit agreements, loan documentation, and regulatory requirements. Technology & Data Utilization: Proficiency in financial analysis tools, CRM systems, and underwriting software. Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results. Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience. Physical demands (ADA): No unusual physical exertion is involved. Flagstar is an Equal Opportunity Employer Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: Benefits | Flagstar Bank Who We Are Flagstar Bank is a diversified consumer and commercial bank grounded in building relationships to meet clients where they are on their financial journeys. Our History Our parent company, New York Community Bancorp, Inc., is based in Hicksville, NY, and has $116.3 billion in assets, $85.6 billion in loans, $81.4 billion in deposits, and $10.8 billion in total stockholder equity. We are a leading regional bank with 420 banking branches, 134 private client banking teams, wholesale lending via approximately 3,000 third-party originators, retail mortgage lending, multifamily lending, mortgage servicing, and subservicing. We’re also the second largest mortgage warehouse lender nationally based on total commitments. Flagstar has strong footholds in the Northeast and Midwest and exposure to high-growth markets in the Southeast and West Coast. What We Do 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: flagstar.com/eeoc Member FDIC/Equal Housing Lender

Salary : $99,732 - $132,144