Credit Products Analyst I - Homebuilder Finance

This is an in-office position located in Englewood, CO.

About the Role

The Commercial Credit Analyst I is an entry-level role designed to develop foundational experience in commercial credit risk and lending. This position supports Credit Products Specialists in underwriting and monitoring commercial loans across various business segments within Commercial & Private Banking. The Analyst will develop essential skills in financial statement analysis, risk assessment, and loan structuring while ensuring compliance with bank policies and regulations.

Responsibilities

• Spread financial statements and assess trends.
• Generate risk ratings and accompanying analyses.
• Track and review covenant compliance and borrowing base reports.
• Conduct annual and periodic portfolio reviews.
• Perform ongoing credit due diligence.
• Assist Credit Products Specialists in structuring new loans and modifications.
• Support the preparation of credit approval memoranda.
• Prepare market and collateral analysis.
• Order and review due diligence reports (e.g., appraisals, environmental reports, credit reports).
• Participate in credit training programs.
• Attend deal screen meetings to gain exposure to credit decision-making.
• Engage in mentoring opportunities with senior team members.
• Assist with updating credit policies and procedures.
• Develop efficiencies in credit analysis workflows.
• Support ad hoc projects as needed.
• Use independent judgement and discretion to make decisions and analyze/resolve problems.
• Perform special projects and additional duties as required.
• Consistently adhere to regulatory and compliance policies and standards; complete required compliance trainings.
• Maintain compliance with applicable federal, state, and local laws and regulations.

Requirements

Required Qualifications:

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline.
• Minimum 1+ years of relevant experience.

Skills

• Financial Acumen: Basic understanding of financial statements and credit risk fundamentals.
• Analytical Thinking: Ability to interpret financial data, identify trends, and assess risk factors.
• Detail Orientation: Ensures accuracy in financial analysis and reporting.
• Time Management: Capable of handling multiple tasks while meeting deadlines.
• Collaboration & Communication: Works effectively with internal teams; strong verbal and written communication skills.
• Technology Proficiency: Proficient in Microsoft Excel (spreadsheets, basic financial modeling), Word, and PowerPoint.
• Learning Agility: Willingness to develop expertise in commercial lending and credit risk.
• Demonstrates ability to build and maintain effective relationships with stakeholders by communicating clearly and collaborating proactively.
• Aligns relationship-building efforts with enterprise goals to drive strategic results.
• Builds trusted client relationships by identifying needs and delivering tailored solutions.
• Fosters a positive work culture and productive environment.

Physical Demands

No unusual physical exertion is involved.

Pay

Pay Range: $47,007.00 - $79,484.00

Benefits

Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Detailed information on benefits.