Position Title
Senior Credit Products Specialist (Middle Market)Location
New York, NY 10018Job Summary
The Senior Credit Products Specialist, Middle Market Banking, is a strategic advisor responsible for structuring, negotiating, and managing highly complex commercial credit relationships. This role influences credit strategy by providing deep market insights, proactive risk identification, and innovative deal structuring solutions. With extensive experience in credit analysis and portfolio management, this position ensures long-term portfolio health while supporting the bank’s growth objectives. Additionally, this role serves as a mentor and thought leader, developing junior credit professionals and shaping best practices in underwriting and risk management.Pay Ranges: $141,299 -$152,561 -$168,468Pay Range: Local Minimum Wage - $0.00 - $0.00
Job Responsibilities:
Complex Credit Structuring & Underwriting: Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs.
Portfolio Strategy & Risk Oversight: Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
Client & Executive Leadership Engagement: Serve as a strategic partner to RMs and senior leadership, offering expertise in credit negotiations and deal execution.
Credit Agreement Negotiation: Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
Team Leadership & Mentorship: Mentor junior credit professionals, providing training and leadership in credit risk best practices. Proactively identifies and raises to senior 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.
Job Requirements:
High school diploma or equivalent, required
Bachelor's Degree preferred, in Finance, Accounting, Economics, or a related field
Minimum experience: 8+ Years' in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis
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.
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
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.
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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.
