Credit Products Specialist Sr - Lender Finance

The Senior Credit Products Specialist - Lender Finance 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.

Location: Nationwide, MI 48098

Salary: $105,974.25 - $168,468.00

Responsibilities

• Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs.
• Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
• Serve as a strategic partner to RMs and senior leadership, offering expertise in credit negotiations and deal execution.
• Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
• 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.

Requirements

• Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience.
• Minimum experience required: 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.
• Well versed in legal documentation (e.g., Credit Agreements) and positioned to develop junior associates, interact with legal counsel, and negotiate with clients.

Benefits

• Access to a variety of benefits including medical, dental, vision, life, and disability insurance.
• Comprehensive leave program.

Additional Information

• The pay range is $105,974.25 - $168,468.00.
• Qualified applicants with arrest or conviction records will be considered for employment in accordance with applicable laws.
• This position is based in the US, with a nationwide scope, and the physical demands are minimal.