Credit Products Specialist Senior - Healthcare - Flagstar Bank : Job Details

Credit Products Specialist Senior – Healthcare Join to apply for the Credit Products Specialist Senior – Healthcare role at Flagstar BankCredit Products Specialist Senior – Healthcare 3 days ago Be among the first 25 applicantsJoin to apply for the Credit Products Specialist Senior – Healthcare role at Flagstar BankGet AI-powered advice on this job and more exclusive features.Position TitleCredit Products Specialist Senior – HealthcarePosition TitleCredit Products Specialist Senior – HealthcareLocationNew York, NY 10018Job SummaryThe Senior Credit Products Specialist - Specialized 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.Pay Range: $140,622 - $186,324 - $232,026Pay Range: Local Minimum Wage - $0.00 - $0.00Job ResponsibilitiesComplex Credit Structuring & Underwriting: Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs with the assigned specialized vertical or region.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 sales 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 portfolioAnalyzes and resolves problems pertaining to the assigned portfolio.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 RequirementsRequired Qualifications:Education level required: Undergraduate Degree (4 years or equivalent) Bachelor's degree in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experienceMinimum experience required: 10+ Years in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis10+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)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.As relevant for the supported line of business, well versed in legal documentation (e.g., Credit Agreements) and positioned to both develop more junior associates on the topic, interact with internal and external legal counsel, and negotiate directly with clients.Preferred QualificationsEducation level preferred: Master's Degree (or Postgraduate equivalent) MBA or CFA preferredJob CompetenciesStrategic Credit Expertise: Deep knowledge of complex commercial lending structures, industry trends, and economic factors impacting credit risk.High-Level Risk Oversight: Ability to assess portfolio risk at a macro level, identifying patterns and trends that inform credit strategy.Client & Executive Engagement: Strong ability to interact with senior leadership, legal teams, and high-profile clients on structuring and negotiating credit agreements.Deal Structuring & Negotiation: Expertise in negotiating complex loan terms, partnering with legal counsel and senior RMs to finalize agreements.Leadership & Mentorship: Serves as a mentor to junior credit professionals, developing talent and fostering a strong credit culture.Change Management & Innovation: Identifies opportunities for process improvement, technology adoption, and best practice implementation.Regulatory & Policy Knowledge: Deep understanding of credit policies, compliance standards, and legal considerations in lending.Executive-Level Communication: Ability to articulate complex credit decisions clearly and persuasively to internal and external stakeholders.Physical demands (ADA): No unusual physical exertion is involved.Flagstar is an Equal Opportunity EmployerFlagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: Benefits | Flagstar BankQualified 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 City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as appliable.Seniority level Seniority level Mid-Senior levelEmployment type Employment type Full-timeJob function Job function Finance and SalesIndustries BankingReferrals increase your chances of interviewing at Flagstar Bank by 2xGet notified about new Credit Specialist jobs in New York, NY .New York, NY $130,000.00-$150,000.00 1 week agoNew York, NY $120,000.00-$135,000.00 2 weeks agoNew York City Metropolitan Area 2 weeks agoNew York, NY $110,000.00-$120,000.00 6 days agoNew York, NY $90,000.00-$100,000.00 1 week agoInvestment Banking Analyst II – Private Credit Group (New York) New York, NY $80,000.00-$110,000.00 1 week agoNew York, NY $135,000.00-$175,000.00 1 week agoBALENCIAGA Fall 2025 Financial Analyst Intern | NYC New York, NY $110,000.00-$120,000.00 2 weeks agoNew York, NY $90,000.00-$115,000.00 2 days agoNew York, NY $50,000.00-$115,000.00 1 week agoNew York City Metropolitan Area $70,000.00-$90,000.00 2 weeks agoInvestment Banking Analyst/Associate | FIG (Specialty Finance) New York, NY $150,000.00-$200,000.00 3 days agoInvestment Banking Analyst (Financial Institutions) New York, NY $110,000.00-$130,000.00 1 week agoNew York City Metropolitan Area $30.00-$35.00 1 week agoPrivate Credit Financing Analyst - C11 - NEW YORK New York, NY $110,000.00-$125,000.00 2 weeks agoDebt & Equity Capital Markets Analyst - NYC New York, NY $90,000.00-$100,000.00 3 weeks agoInvestment Banking Analyst, Private Capital Markets (Equity) New York, NY $110,000.00-$125,000.00 2 weeks agoInvestment Banking - Leveraged Finance - Analyst Paramus, NJ $85,000.00-$100,000.00 2 weeks agoNew York, NY $65,000.00-$85,000.00 1 week agoCredit Analyst – U.S. Loan Investing Team New York, NY $100,000.00-$150,000.00 6 days agoNew York, NY $90,000.00-$100,000.00 1 week agoJersey City, NJ $63,000.00-$75,000.00 3 weeks agoNew York, NY $55,000.00-$105,000.00 1 week agoWe're unlocking community knowledge in a new way. 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