Senior Credit Products Specialist - TMC & Entertainment

Location: Charlotte, NC 28202

About the Role

The Senior Credit Products Specialist - TMC & Entertainment 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.

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 (RMs) 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. Proactively identify and escalate improvement areas in credit processes and procedures to senior leadership.
• Use independent judgement and discretion to make decisions regarding the assigned portfolio.
• Analyze and resolve problems pertaining to the assigned portfolio.
• Perform special projects and additional duties as required.
• Consistently adhere to regulatory and compliance policies and standards linked to the job, and complete required compliance trainings.
• Maintain compliance with applicable federal, state, and local laws and regulations.

Requirements

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field, or 12+ years of equivalent experience.
• 8+ years of experience 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) relevant to the supported line of business, with the ability to develop junior associates, interact with internal and external legal counsel, and negotiate directly with clients.

Preferred Qualifications

• Master’s Degree (or Postgraduate equivalent), MBA, or CFA.

Skills

• 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.
• Strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross-functional insights.
• Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.

Physical Demands

No unusual physical exertion is involved.

Pay

If your work location qualifies for enhanced market pricing, the pay range is $212,262 - $251,948. Actual starting base pay will be determined based on location, 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.

Additional pay range: $105,974.25 - $168,468.00.

Benefits

Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Detailed information about benefits.