Senior Credit Products Specialist

This is a fully remote position, open to applicants in Michigan.

📋 Description

• Oversee the structuring, analysis, and approval of intricate credit transactions, ensuring a balance between risk and business requirements within the designated specialized vertical or region.

• Actively monitor portfolio risk, pinpointing industry trends and economic factors that may affect credit quality.

• Function as a strategic partner to sales and senior leadership, providing expertise in credit negotiations and deal execution.

• Collaborate directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.

• Mentor junior credit professionals, offering training and guidance on credit risk best practices.

• Proactively identify and communicate areas for improvement in credit processes and procedures to senior leadership.

• Exercise independent judgment and discretion in making decisions related to the assigned portfolio.

• Analyze and address issues concerning the assigned portfolio.

⛳️ Requirements

• Bachelor’s Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline, or 12+ years of equivalent experience.

• Minimum of 8 years in commercial credit analysis/structuring, underwriting, portfolio management, and risk analysis.

• At least 8 years of experience in the specific specialized line of business (such as specialized commercial industries, capital markets, corporate commercial banking, etc.).

• Extensive expertise in structuring and negotiating complex credit agreements.

• Strong leadership capabilities with the ability to influence credit strategy and policy.

• Comprehensive understanding of macroeconomic factors and their effects on credit risk.

• Demonstrated ability to manage large portfolios and counsel senior executives.

• Outstanding communication and stakeholder management skills.

• Proficient in legal documentation (e.g., Credit Agreements) and capable of developing junior associates on the subject, interacting with internal and external legal counsel, and negotiating directly with clients.

🏝️ Benefits

• Medical, dental, vision, life, and disability insurance.

• Comprehensive leave program.