Senior Credit Products Specialist - Franchise Finance

Position Title

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Job Summary

Job Responsibilities:

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• 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.

• 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.

• 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.

We 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. 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

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