Credit Products Analyst Il

Commercial Credit Analyst II builds upon foundational credit experience by taking on more complex underwriting and portfolio management responsibilities. This role plays a key part in supporting Credit Products Specialists in assessing credit risk, structuring commercial loans, and monitoring portfolio performance.

Responsibilities

• Conduct financial spreading and risk rating analysis.
• Perform detailed credit due diligence and industry research.
• Prepare annual and periodic credit reviews.
• Monitor borrower performance and track financial covenants.
• Recommend risk rating adjustments based on financial trends.
• Assist Credit Products Specialists in structuring new loans and modifications.
• Prepare internal credit approval memoranda.
• Conduct market and collateral analysis.
• Review and interpret due diligence reports.
• Partner with Relationship Managers to prepare financing-related pitch materials.
• Work closely with RMs, Credit Officers, and Credit Products Specialists to provide data-driven insights.
• Participate in client discussions and presentations as needed.
• Contribute to process improvement initiatives.
• Continue professional development through credit training programs.
• Support policy updates and regulatory compliance efforts.
• Perform special projects and additional duties as required.
• Adhere to regulatory and compliance policies and standards; complete required compliance trainings.
• Maintain compliance with applicable federal, state, and local laws and regulations.

Requirements

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline.
• 3+ years in commercial banking, credit analysis, or a related field.

Preferred Qualifications

• Exposure to commercial credit structuring and deal underwriting.

Skills

• Advanced Financial & Credit Analysis: Proficiency in financial modeling, credit risk assessment, and industry research.
• Risk Assessment & Decision-Making: Ability to analyze complex credit situations and recommend solutions.
• Process & Portfolio Management: Strong skills in tracking financial reporting and monitoring credit agreements.
• Collaboration & Influence: Works effectively with RMs, Credit Officers, and external partners.
• Problem Solving: Applies critical thinking to resolve credit issues and assess risk exposure.
• Technology & Data Utilization: Proficient in financial analysis tools, CRM systems, and Excel (pivot tables, financial modeling).
• Relationship Building: Demonstrates ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross-functional insights.
• Client Focus: Builds trusted client relationships by identifying needs and delivering tailored solutions to enhance the overall client experience.
• Work Culture: Fosters or supports a positive work culture and productive work environment.

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.

For detailed information, visit Benefits | Flagstar Bank.

Pay

Pay Range: $58,176.00 - $95,799.00