CRE Credit Products Portfolio Mgr Sr Job at Flagstar Bank in Los Angeles County

Position Title CRE Credit Products Portfolio Mgr SrLocation Beverly Hills, CA 90212Job Summary JOB SUMMARY The Senior CRE Credit Products Portfolio Manager 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 - $106,023 - $165,862Pay Range: Local Minimum Wage - $0.00 - $0.00Job Responsibilities: 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. 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) Bachelor’s degree in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience Minimum experience required: 10+ Years n 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. 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 Qualifications: Education level preferred: Master's Degree (or Postgraduate equivalent) 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, 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. Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise 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 (ADA): No unusual physical exertion is involved. 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. Please click the following link for detailed information: Benefits | Flagstar Bank Qualified 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. In Summary: The Senior CRE Credit Products Portfolio Manager 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 . The position ensures long-term portfolio health while supporting the bank’s growth objectives . En Español: Posición Título CRE Productos de Crédito Portfolio Mgr SrLocation Beverly Hills, CA 90212SUMARIO DE JOB El Senior CRE Credit Products Portfolio Manager es un asesor estratégico responsable de estructurar, negociar y gestionar relaciones de crédito comerciales altamente complejas. Este papel influye en la estrategia de crédito proporcionando conocimientos profundos del mercado, identificación proactiva de riesgos y soluciones innovadoras de estructuración de transacciones. Con una amplia experiencia en análisis de crédito y gestión de cartera, este puesto asegura la salud a largo plazo de la cartera mientras apoya los objetivos de crecimiento de los bancos. Además, esta función sirve como mentor y líder de pensamiento, desarrollando profesionales junior de créditos y dando forma a las mejores prácticas de suscripción y administración de riesgo. RANGUAJE PAY - $6,023 - $165,862Ranguaje de pago: Salario mínimo local - $0,00 - $0.00Responsabilidad profesional de trabajo: RESPICIONES (35%) (15%) Negociación de contratos de crédito: Trabaja directamente con clientes, asesores legales y equipos internos para estructurar y negociar acuerdos de crédito. (10%) Liderazgo e orientación del equipo: Mentor profesionales junior crediticios, proporcionando capacitación y liderazgo en las mejores prácticas de riesgo creditício. Identifica proactivamente y eleva a áreas de mejora de la dirección senior en los procesos y procedimientos de créditos. Utiliza juicio independiente y discreción para tomar decisiones sobre las leyes y regulaciones federales, estatales y locales. JOB REQUIRENTS Requiere análisis y resolución de problemas relacionados con la cartera asignada. ACCOUNTABILITADES ADDITIONAL Realiza proyectos especiales, tareas y responsabilidades adicionales según sea necesario. Se adhieren constantemente a políticas regulatorias y normas de cumplimiento relacionadas con el trabajo como una lista completa de entrenamientos requeridos. Responsable de mantener el cumplimiño de las leyas y reglamentaciones aplicables al estado y local. Capacidad comprobada para gestionar carteras grandes y asesorar a altos ejecutivos. Habilidades excepcionales de comunicación y gestión de partes interesadas. Como relevante para la línea de negocio respaldada, bien versado en documentación legal (por ejemplo, Acuerdos de Crédito) y posicionados tanto para desarrollar más asociados menores sobre el tema, interactuar con consejeros legales internos y externos e negociar directamente con los clientes. Calificaciones preferidas: Nivel educativo preferido: Maestría (o equivalente postgradual) MBA o CFA preferida. Competencias laborales: Experiencia estratégica del crédito: Conocimiento profundo de estructuras comerciales complejas de préstamos, tendencias industriales y factores económicos que afectan al riesgo crediticio. Supervisión de riesgos de alto nivel: capacidad para evaluar el riesgo a un nivel macro, identificación de patrones y tendencias profesionales de la práctica crediticia. Conocimiento regulatorio y de política: comprensión profunda de las políticas crediticias, los estándares de cumplimiento y las consideraciones legales en el préstamo. Comunicación a nivel ejecutivo: Capacidad para articular decisiones complejas de crédito claramente y persuasivamente a las partes interesadas internas y externas. Demuestra una fuerte capacidad para construir y mantener relaciones efectivas con las partes involucradas mediante la comunicación clara, la colaboración proactiva y el aprovechamiento de conocimientos funcionales transversales. Alinea los esfuerzos de construcción de relaciones con los objetivos empresariales para acelerar el rendimiento e impulsar resultados estratégicos. Construye relaciones con clientes de confianza, ya sean internas o externas, identificando necesidades y ofreciendo soluciones personalizadas para mejorar la experiencia general del cliente.