Director-Commercial Credit Products Operations

5 days ago

Lansing, United States Flagstar Bank Full time
The Director, Commercial Credit Products Operations is responsible for providing risk and governance oversight for the enterprise 1LOD Credit Products organization. The associate/role will report to the Head of Credit Products and drive ongoing governance for credit underwriting and portfolio management operational processes and loan portfolio governance. These responsibilities include regulatory compliance, operational risk management and audit and exam readiness and remediation. The role will include cross department reporting facilitation and maintenance, as well as direct management responsibility of Credit Products operations staff. Importantly, the role/associate will be responsible for developing and staffing to certain infrastructure necessary to both remediate regulatory concerns and further evolve the bank’s infrastructure to support scalable and responsible growth. Specific examples include the development and staffing of a 1LOD QA/QC function and assisting the Head of Credit Products and enterprise stakeholders with developing a Heightened Standards compliant 1LOD across the enterprise (i.e., not limited to Commercial & Private Banking). The associate/role will assist in driving and prioritizing Credit Products transformation and continuous improvement activities with an eye to greater efficiency and heightened consistency and standardization across the Credit Products-supported LOBs. Related, the associate/role will be responsible for developing and maintaining credit underwriting and portfolio management process maps as necessary. The colleague/role will liaise with senior leaders and stakeholders across the enterprise, to include first and second-line partners such a 1LOD Compliance and Controls, Credit Risk, Operational Risk, etc. and any third-party partners engaged to support transformation and continuous improvement opportunities.

JOB RESPONSIBILITIES

  • Manages regulatory compliance, audit and credit review-related functions for 1LOD Credit Products.
  • Monitors lending-related activities to ensure compliance with regulatory requirements and established policies and procedures.
  • Identifies compliance problems and recommends corrective actions.
  • Maintains ongoing communication with all team members to identify compliance and operational risk and implement appropriate mitigation steps, as necessary.
  • Acts as the Department’s primary liaison to 1LOD Compliance and Controls.
  • Owner of process flow charts and operational control oversight.
  • Serves as escalation point as needed for operational, regulatory or risk issues and investigations.
  • Assists management in preparation for Audit exit meetings, audit responses and post audit follow-up.
  • Manage, develop, and play a leadership role for the credit support staff.  Develop a high-performing team.  Manage the HR processes for employees, including selection, training, performance management, development, and retention.  Fosters an environment where colleagues are empowered and have the opportunity to develop and grow.
  • Facilitates logistics for internal and external exams and reviews.
  • Works closely with senior management to identify priorities, goals and objectives.  Responsible for portfolio risk oversight transparency to various levels of management related to portfolio performance, audit remediation, and loan tickler compliance and accuracy.
  • Acts as Plan Manager for Department’s Business Continuity Plan.
  • Responsible for delivering training and development to Credit Products underwriters and portfolio managers related to processes, procedures, and policies.  Responsible for effectuating a formal Credit Analyst training program to begin 2026.
  • Responsible and accountable for appropriate quality assurance and controls.

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). 
  • Minimum experience required: 12+ Years of banking experience with a focus on operational risk, transformation and continuous improvement, ideally a mix of both first line and second line experience.
  • Minimum 5 years of management supervisory experience.
  • Consulting experience with a focus on Financial Institutions is strongly desired.
  • Significant Project Management experience.

Preferred Qualifications:

  • Education level preferred: Master's Degree (or Postgraduate equivalent)
  • Experience in managing projects.
  • PMP designation.

Job Competencies:

  • Thorough knowledge of banking policies, procedures, practices, programs and regulations.
  • Knowledgeable of banking software platforms such as nCino and AFS.
  • Knowledgeable of applicable laws and banking regulations.
  • Proficient with personal computers and various software programs (e.g. Microsoft Word, Excel and PowerPoint.
  • Ability to communicate effectively in both verbal and written form with all levels of Bank personnel and outside contacts (strong “executive presence”).
  • Ability to manage several projects concurrently, often with tight deadlines.
  • Demonstrated ability to work well with all levels of management and staff.
  • Demonstrated ability to mentor and coach subordinates, supervise and delegate assignments.
  • Ability to effectively plan, organize and execute within deadlines with a strong detail orientation.
  • Physical demands (ADA): No unusual physical exertion is involved.

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