Position Title Credit Products Specialist II - Power & Renewables Location Nationwide, MI 48098 Job Summary The Credit Products Specialist II - Power & Renewables plays a key role in structuring and underwriting complex commercial credit transactions while managing an assigned loan portfolio. 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 decisions and long-term client success. The position also supports the professional development of junior team members by sharing expertise and best practices. Job Responsibilities: JOB RESPONSIBILITIES Credit Structuring & Underwriting: Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures. Portfolio & Risk Management: Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns. Client & Stakeholder Engagement: Partner with RMs 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: Provide 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 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) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience Minimum experience required: 4+ Years in commercial credit analysis, underwriting, or portfolio management. Advanced financial modeling and risk assessment expertise. Strong negotiation skills and ability to collaborate with clients. Experience structuring complex loan transactions. Ability to analyze macroeconomic trends and their impact on credit risk. Job Competencies: Advanced Financial & Credit Analysis: Strong command of financial modeling, industry-specific credit risks, and structuring commercial credit transactions. Risk Assessment & Decision-Making: Ability to proactively identify potential credit risks and recommend risk mitigation strategies. Negotiation Skills: Works with RMs and clients to structure loan terms that align with both client needs and risk parameters. Process & Portfolio Management: Manages complex portfolios, ensuring proactive monitoring and adherence to credit policies. Stakeholder Influence: Builds strong relationships with internal and external partners, effectively communicating credit decisions. Project Management: Ability to drive loan structuring and closing processes with minimal oversight. Legal & Compliance Understanding: Familiarity with credit agreements, loan documentation, and regulatory requirements. Technology & Data Utilization: Proficiency in financial analysis tools, CRM systems, and underwriting software. 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 - Vets/Disabled We are committed to providing clear and accurate compensation information in accordance with applicable laws. 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. 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 Pay Range $100,117.50 - $157,643.00 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. Flagstar Bank, N.A. is based in Hicksville, NY, and at December 31, 2025, had $87.5 billion in assets, $60.7 billion in loans, $66 billion in deposits, and $8.1 billion in total stockholder equity. We are a leading regional bank with approximately 340 locations, and strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and the West Coast. We are driven by our commitment to partner with our clients to set and reach goals together, helping them to take charge and thrive. Our focus is on four core lines of business that include Personal, Private, Small Business and Corporate & Commercial Banking. Flagstar Bank is committed to ensuring that you can successfully engage in our recruiting process. If you need assistance completing your employment application or if you would like to request a reasonable accommodation, please contact our team at careers@flagstar.com. Equal Opportunity Employer For more Information: EEOC_KnowYourRights Member FDIC/Equal Housing Lender

Credit Products Specialist II - Power & Renewables.

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