Credit Officer Sr ll

Credit Officer Sr II

Location : Hicksville, NY 11801

Job Summary : The Senior Credit Officer II serves as a critical leader in the oversight and management of highly complex credit portfolios. Leveraging deep domain expertise, this role is accountable for executing advanced credit analysis, architecting highly intricate credit structures, and delivering forward-looking, risk-aligned recommendations that support the Bank's strategic portfolio positioning and long-term risk appetite. Plays a pivotal role in cross-functional leadership, shaping credit policy, ensuring adherence to evolving regulatory standards, and driving alignment across business units. Safeguards the integrity of the Bank's risk framework while advancing strategic business initiatives.

Job Responsibilities :

• Provide strategic leadership for credit underwriting and portfolio oversight for complex sectors and other nuanced borrower profiles.
• Prepare and review complex and detailed Flagstar Approval Memos, loan modifications, and portfolio reviews, incorporating advanced credit analysis, market intelligence, and tailored structuring techniques.
• Evaluate and make independent decisions on complex credit requests; escalate to higher authorities when appropriate and serve as a senior voting member on internal credit committees.
• Partners with Relationship Managers and deal teams to structure bespoke credit facilities that meet both client needs and the Bank's risk tolerance.
• Direct asset management planning and participate in the formation of strategic credit strategies for underperforming or high-risk exposures.
• Continuously monitor portfolio performance trends and proactively identify potential credit deterioration, emerging industry risks, or regulatory impacts.
• Participate in high-level strategic screening meetings to evaluate new opportunities and assess risk-return tradeoffs.
• Ensure full compliance with federal, state, and local lending regulations, as well as internal risk frameworks and credit policies.
• Contribute to the development, enhancement, and implementation of credit policies, risk rating models, and portfolio management tools.
• Engage directly with clients and conduct on-site project visits to gain deeper insights into operational and market risks.
• Develop, refine, and monitor key risk indicators (KRIs) and stress testing relevant to portfolios.
• Lead and contribute to special projects, cross-functional initiatives, and process improvement efforts as directed by senior leadership.
• Act as a mentor and subject matter expert to junior credit staff, offering training and development opportunities.
• Continuously refine templates, risk analysis tools, and credit frameworks to enhance decision-making across complex portfolios.

Additional Responsibilities :

Job Requirements :

Preferred Qualifications :

Job Competencies :

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.