Flagstar Bank Logo

Flagstar Bank

Credit Products Specialist II - Subscription Finance

Reposted 6 Days Ago
Be an Early Applicant
In-Office
11 Locations
Senior level
In-Office
11 Locations
Senior level
Analyze commercial credit transactions, manage loan portfolios, assess risks, negotiate terms, and mentor junior staff in financial decision-making.
The summary above was generated by AI

Position Title

Credit Products Specialist II - Subscription Finance

Location

Beverly Hills, CA 90212

Job Summary

The Credit Products Specialist II – Specialized plays a key role in structuring and underwriting complex commercial credit transactions while managing an assigned loan portfolio within a specialized vertical or region. 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: $117,195 - $155,270 - $193,355Pay Range: Local Minimum Wage - $0.00 - $0.00

Job Responsibilities:

  • Credit Structuring & Underwriting: Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures within the assigned specialized vertical or region.

  • Portfolio & Risk Management: Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns.

  • Client & Stakeholder Engagement: Partner with sales 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.

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.

Required Qualifications:

  • Education level required: Undergraduate Degree (4 years or equivalent)  Bachelor’s degree in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience

  • Minimum experience required: 7+ Years in commercial credit analysis, underwriting, or portfolio management.

  • 7+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)

  • 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.

Job Competencies:

  • 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.

  • 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

Qualified 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.

Top Skills

Crm Systems
Financial Modeling
Risk Assessment Tools
Underwriting Software

Similar Jobs

5 Hours Ago
Remote or Hybrid
26 Locations
Senior level
Senior level
Cloud • Computer Vision • Information Technology • Sales • Security • Cybersecurity
As a Product Designer III, you will collaborate with product managers and engineers to create high-quality design solutions, manage project scopes, and enhance user experience across CrowdStrike's products.
Top Skills: Figma
9 Hours Ago
Hybrid
Petoskey, MI, USA
Mid level
Mid level
eCommerce • Information Technology • Retail • Industrial
The Account Manager will drive sales growth, maintain customer relationships, and manage accounts with an annual revenue of $2M to $3M.
Top Skills: Customer Relationship Management (Crm)Salesforce
13 Hours Ago
Remote or Hybrid
Southfield, MI, USA
Senior level
Senior level
Artificial Intelligence • Cloud • HR Tech • Information Technology • Productivity • Software • Automation
The role involves generating new business sales through account planning, developing relationships with C-suite executives, and achieving sales targets while promoting customer success with a focus on AI integration.
Top Skills: Ai ToolsSaaS

What you need to know about the Melbourne Tech Scene

Home to 650 biotech companies, 10 major research institutes and nine universities, Melbourne is among one of the top cities for biotech. In fact, some of the greatest medical advancements were conceptualized and developed here, including Symex Lab's "lab-on-a-chip" solution that monitors hormones to predict ovulation for conception, and Denteric's vaccine for periodontal gum disease. Yet, the thousands of people working in the city's healthtech sector are just getting started, to say nothing of the tech advancements across all other sectors.

Sign up now Access later

Create Free Account

Please log in or sign up to report this job.

Create Free Account