Senior Credit Products Specialist - Private Banking

Position Title Senior Credit Products Specialist – Private Banking Location Walnut Creek, CA 94596 Job Summary The Senior Credit Products Specialist – Private Banking 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, the specialist serves as a mentor and thought leader, developing junior credit professionals and shaping best practices in underwriting and risk management. 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 relationship managers 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. Identify and raise improvement areas in credit processes and procedures to senior leadership. Make decisions regarding assigned portfolio using independent judgment and discretion, and analyze and resolve problems pertaining to the portfolio. Perform special projects and additional duties as required. Qualifications Undergraduate degree in Finance, Accounting, Economics, or a related field, or 12+ years of equivalent experience. Minimum 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 capable of interacting with internal and external legal counsel. Preferred Qualifications Master’s degree, MBA, or CFA preferred. Job Competencies Strategic 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 and identify patterns and trends that inform credit strategy. Client and executive engagement: Strong ability to interact with senior leadership, legal teams, and high‑profile clients on structuring and negotiating credit agreements. Deal structuring and negotiation: Expertise in negotiating complex loan terms, partnering with legal counsel and senior relationship managers to finalize agreements. Leadership and mentorship: Serves as a mentor to junior credit professionals, developing talent and fostering a strong credit culture. Change management and innovation: Identifies opportunities for process improvement, technology adoption, and best‑practice implementation. Regulatory and 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 No unusual physical exertion is required. Pay Range USD $163,493 – $193,738 (location based) Equal Opportunity Employer Flagstar Bank is an Equal Opportunity Employer. Qualified applicants with arrest or conviction records will be considered for employment in accordance with applicable Fair Chance Acts and Ordinances. Please contact View email address on click.appcast.io for more information. #J-18808-Ljbffr