Position Title
Credit Products Specialist II - Technology, Media & Communications
Location
Charlotte, NC 28202
Job Summary
The Credit Products Specialist II – Technology, Media & Communications 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.
Job Responsibilities:
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.
JOB REQUIREMENTS
Required Qualifications:
- Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience
- Minimum experience required: 4+ Years in commercial credit analysis, underwriting, or portfolio management.
- 4+ 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.
- 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
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
Pay Range
$104,198.25 - $169,816.00Skills Required
- Undergraduate Degree in Finance, Accounting, Economics, or related field
- Minimum 4 years in commercial credit analysis, underwriting, or portfolio management
- Experience in specialized commercial industries, capital markets, corporate commercial banking
- Advanced financial modeling and risk assessment expertise
- Strong negotiation skills
- Ability to analyze macroeconomic trends affecting credit risk
Flagstar Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Flagstar Bank and has not been reviewed or approved by Flagstar Bank.
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Leave & Time Off Breadth — Time‑off programs include accrued PTO that scales with tenure, separate sick time, company holidays plus a floating day, and a paid community involvement day. Paid parental bonding leave of six weeks is available after a year of service.
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Healthcare Strength — Coverage includes multiple medical plan choices (Cigna OAP options and Kaiser for CA/HI) with preventive medications at no cost and integrated pharmacy benefits. Dental through Delta Dental and two VSP vision plans provide additional coverage choice.
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Retirement Support — A 401(k) plan with a company match supports long‑term savings. Employer‑paid life/AD&D and disability coverage complement retirement planning.
Flagstar Bank Insights
What We Do
Thank you for visiting Flagstar Bank on LinkedIn, and we look forward to being part of your financial journey. On December 1, 2022, New York Community Bank (NYCB) and Flagstar Bank joined together to become one company. Today, New York Community Bancorp, Inc. is the parent company of Flagstar Bank, N.A., one of the largest regional banks in the country. The company is headquartered in Hicksville, New York. At June 30, 2024, the company had assets of $119.1 billion. We operate over 400 branches across 10 states, including a significant presence in the Northeast and Midwest and locations in high growth markets in the Southeast and on the West Coast. Flagstar Mortgage operates nationally through a wholesale network of approximately 3,000 third-party mortgage originators. We believe in cultivating a diverse, inclusive, and respectful workplace that engages employees, broadens perspectives, and encourages teamwork. We hire people who represent the talents, experiences, backgrounds, and diversity of the communities we serve. Together our goal is to deliver a new energy in banking to our customers, opening new doors for financial and personal success. Customers will have access to a broad spectrum of technology, products and services—all with a shared customer-first approach. Relationships are at the center of all that we do, enhanced by our commitment to delivering local market expertise, personalized solutions, and a long-standing focus on strengthening our communities. Follow us on LinkedIn to stay up to date on news and updates, new hires, community initiatives, access to our collective insights, and banking industry updates that you need to know.
