Senior Credit Products Specialist - Power & Renewables

Overview

The Senior Credit Products Specialist - Power & Renewables is a strategic advisor responsible for structuring, negotiating, and managing highly complex commercial credit relationships within an aligned line of business such as Corporate Banking, Private Banking (including Private Banking Mortgage), Regional Commercial Banking, or Specialized Industries.

This role influences credit strategy by providing deep market insights, proactively identifying risk, and delivering innovative deal structuring solutions. With extensive experience in credit analysis and portfolio management, the position helps ensure long-term portfolio health while supporting business growth objectives. The role also mentors junior credit professionals and helps shape best practices in underwriting and risk management.

Responsibilities

• Lead the structuring, analysis, and approval of highly complex credit transactions, balancing risk with business needs for the assigned specialized vertical or region.
• Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
• Serve as a strategic partner to sales and senior leadership, providing 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 by providing training and leadership in credit risk best practices.
• Identify and elevate to senior leadership areas for improvement in credit processes and procedures.
• Use independent judgment 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.
• Adhere to regulatory and compliance policies and standards, and complete required compliance trainings.
• Maintain compliance with applicable federal, state, and local laws and regulations.

Requirements

Education

• Bachelor’s degree in Finance, Accounting, Economics, or a related field (4 years or equivalent), or
• 12+ years of equivalent experience, or
• Master’s Degree (or Postgraduate equivalent) MBA or CFA preferred.

Minimum Experience

• 10+ years in commercial credit analysis/structuring, underwriting, portfolio management, and risk analysis.
• 10+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.).

Core Qualifications

• Deep expertise 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.
• As relevant to the supported line of business: well-versed in legal documentation (e.g., Credit Agreements), positioned to develop junior associates, interact with internal and external legal counsel, and negotiate directly with clients.

Job Competencies

• Strategic Credit Expertise: 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 to identify patterns and trends that inform credit strategy.
• Client & Executive Engagement: Ability to interact with senior leadership, legal teams, and high-profile clients on structuring and negotiating credit agreements.
• Deal Structuring & Negotiation: Expertise negotiating complex loan terms, partnering with legal counsel and senior RMs to finalize agreements.
• Leadership & Mentorship: Mentors 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: Can clearly and persuasively articulate complex credit decisions to internal and external stakeholders.

Preferred Qualifications

• MBA or CFA preferred.

Compensation & Benefits

• Pay range: $138,432.00 - $219,086.00
• Benefits may include medical, dental, vision, life, and disability insurance, along with a comprehensive leave program.

Location

• Nationwide, MI 48098

Additional Information

• Physical demands (ADA): No unusual physical exertion is involved.
• Equal Opportunity Employer; Vets/Disabled.
• Applicants with arrest or conviction records will be considered in accordance with applicable Fair Chance laws.