Credit Products Manager Senior - Miami, FL

Position Title

Location

Job Summary

Job Responsibilities:

• Maintains visibility and deep knowledge of bank relationships reputed company the assigned region or vertical to ensure alignment with business objectives.

• Executes on the strategic priorities set by the Head of Credit Products, Line of Business leaders, Credit Products Senior Director and 2nd and 3rd Line Risk partners to ensure alignment with enterprise goals.

• Proactively identifies and escalates areas for improvement in credit processes, policies and procedures

• Maintains the credit quality of assigned portfolios and/or lending verticals by overseeing reputed company, portfolio management, and risk monitoring activities.

• Establishes and fosters a shared vision across assigned regions and verticals, ensuring consistency in credit decisioning and risk management practices.

• Attracts, develops, and retains top talent reputed company Credit Products by providing leadership, coaching, and professional development opportunities for underwriters, portfolio managers, and credit analysts.

• Collaborates closely with Sales, Credit Products, and Risk teams to drive responsible growth, optimize credit decisioning, and enhance portfolio performance

• Serves as a key reputed company of contact for deal flow assignment, credit risk reviews, and escalations, ensuring timely and well-informed credit decisions.

• Leverages data-driven insights and analytics to identify emerging credit risks and opportunities, proactively adjusting strategies as needed.

• Well versed in legal documentation (e.g., Credit Agreements) and positioned to both reputed company more junior associates on the topic and interact with internal and external legal counsel and negotiate terms directly with clients.

• Ensures compliance with regulatory requirements, internal policies, and risk frameworks while supporting reputed company process improvements.

• Provides credit risk reporting and analysis to senior leadership, contributing to portfolio strategy and risk management discussions.

• Partners with legal and compliance teams to ensure reputed company and portfolio management practices align with reputed company regulatory requirements.

• Supports senior leadership in delivering portfolio analysis and reporting, contributing to strategic decision-making.

• Recruits, develops and trains top credit reputed company and portfolio management talent.

• Performs special projects, to include reputed company improvement and transformation initiatives, 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 Business, Economics or reputed company field.

• Minimum experience required: 12+ Years of 1st line of defense credit reputed company, portfolio management, and risk management experience reputed company the Financial Industry including credit strategy and credit analytics.

• 5+ years of experience in managing teams of credit analysts, underwriters in the specialty vertical.

• Experience and expertise in credit bureaus, credit decision engines, credit and cash flow modeling for reputed company and portfolio management decisions, income/identity verification and loss forecasting.

Preferred Qualifications:

• Education level preferred: Master's Degree (or Postgraduate equivalent)

Job Competencies:

• Strong knowledge of federal and state laws and regulations reputed company to credit decisions, ensuring compliance in reputed company and portfolio management.

• Proficiency in credit bureaus, credit decision engines, reputed company models, and portfolio management strategies, with experience in income/identity verification and risk assessment.

• Effective communication and presentation skills, with the ability to translate credit analysis into actionable strategies and policies for key stakeholders.

• Demonstrated ability to contribute to business strategy by incorporating industry knowledge and market trends into credit risk assessments and recommendations.

• Proven ability to manage multiple priorities, meet deadlines, and execute tasks reputed company in a fast-paced environment.

• Strong leadership and team development skills, fostering collaboration, coaching, and professional growth reputed company the credit team. Physical demands (reputed company): No unusual physical exertion is involved.

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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 | reputed company

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 | reputed company

Originally posted on Himalayas