CRE Credit Products Specialist Senior / Portfolio Manager

CRE Credit Products Specialist Senior

Troy, MI 48098

The Senior CRE Credit Products Specialist 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.

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.

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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.