Credit Products Specialist - Franchise Finance

The Credit Products Specialist I – Franchise Finance supports the underwriting, structuring, and management of commercial credit relationships, providing financial analysis, risk assessment, and credit decision-making. This role involves structuring loans, monitoring portfolios, and collaborating with sales and credit teams.

Location: Nationwide, MI 48098

Salary: $72,189.75 - $118,776.00

Responsibilities

• Assist sales in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages.
• Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions.
• Work alongside sales and credit teams to structure deals, address underwriting inquiries, and support client needs.
• Stay informed on market trends, credit policies, and risk mitigation techniques to strengthen expertise in commercial lending.
• Use independent judgment and discretion to make decisions regarding assigned portfolio.
• Analyze and resolve problems pertaining to the assigned portfolio.

Requirements

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 5+ years of equivalent experience.
• Minimum 2+ Years in credit underwriting, portfolio management, or a related field.
• 2+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.).
• Strong financial analysis and risk assessment abilities.
• Basic understanding of loan structuring and credit agreements.
• Proficiency in financial modeling and credit decision tools.
• Effective communication and teamwork skills.

Benefits

• Medical, dental, vision, life, and disability insurance.
• Comprehensive leave program.
• Access to various benefits detailed at https://careers.flagstar.com/us/en/benefits

Additional Information

• Physical demands (ADA): No unusual physical exertion is involved.
• Flagstar is an Equal Opportunity Employer.
• Pay range: $72,189.75 - $118,776.00.
• Consideration for employment in accordance with applicable fair chance laws.