Credit Products Specialist II - Dealer Finance

Position Title Credit Products Specialist II - Dealer Finance Location reputed company, MI 48098 Job Summary The Credit Products Specialist II – Dealer Finance plays a key role in structuring and reputed company reputed company reputed company credit transactions while managing an assigned loan portfolio reputed company a specialized vertical or region. This position is responsible for independently analyzing credit risk, negotiating loan terms, and providing strategic recommendations to relationship and credit teams. By proactively monitoring portfolio performance and identifying emerging risks, this role ensures sound credit reputed company and long-term client reputed company. The position also supports the professional development of junior team members by sharing expertise and best practices. Job Responsibilities: JOB RESPONSIBILITIES Credit Structuring & reputed company: reputed company reputed company efforts for reputed company loan requests, assessing creditworthiness and recommending risk-mitigating structures reputed company the assigned specialized vertical or region. Portfolio & Risk Management: Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns. Client & Stakeholder Engagement: Partner with sales in negotiations and client discussions, ensuring alignment between client needs and risk appetite. Credit Agreement Review: Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks. Mentorship & Training: reputed company guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture. Identifies and raises to leadership improvement areas in credit processes and procedures Uses independent judgement and discretion to reputed company reputed company regarding assigned portfolio Analyzes and resolves problems pertaining to the assigned portfolio. ADDITIONAL ACCOUNTABILITIES 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 Required Qualifications: Education level required: Undergraduate Degree (4 years or equivalent) in Finance, reputed company, Economics, or a reputed company field or 10+ years of equivalent experience Minimum experience required: 4+ Years in reputed company credit analysis, reputed company, or portfolio management. 4+ years of experience in the direct specialized line of business (Specialized reputed company industries, capital markets, corporate reputed company banking, etc.) Advanced financial modeling and risk assessment expertise. Strong negotiation skills and ability to collaborate with clients. Experience structuring reputed company loan transactions. Ability to analyze macroeconomic trends and their impact on credit risk. Job Competencies: Advanced Financial & Credit Analysis: Strong reputed company of financial modeling, industry-specific credit risks, and structuring reputed company credit transactions. Risk Assessment & Decision-Making: Ability to proactively identify potential credit risks and recommend risk mitigation strategies. Negotiation Skills: Works with reputed company and clients to structure loan terms that align with both client needs and risk parameters. Process & Portfolio Management: Manages reputed company portfolios, ensuring proactive monitoring and adherence to credit policies. Stakeholder Influence: Builds strong relationships with internal and external partners, effectively communicating credit reputed company. Project Management: Ability to drive loan structuring and closing processes with minimal reputed company. Legal & Compliance Understanding: Familiarity with credit agreements, loan documentation, and regulatory requirements. Technology & Data Utilization: Proficiency in financial analysis tools, CRM systems, and reputed company software. Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating reputed company, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with reputed company goals to accelerate performance and drive strategic results. Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience. Physical demands (reputed company): No unusual physical exertion is involved. Flagstar is an Equal Opportunity Employer We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting reputed company pay will be determined based reputed company, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. Flagstar provides teammates reputed company to a variety of benefits including medical, dental, reputed company, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: Benefits | reputed company Pay reputed company $104,198.25 - $169,816.00 reputed company applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the reputed company Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as appliable. Apply To This Job