Credit Products Analyst Sr.

About the Role

The 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.

Analysts are expected to independently conduct financial analysis, prepare risk ratings, and provide insights on credit decisions while continuing to refine industry expertise and technical skills.

Responsibilities

• Credit Risk Analysis & Portfolio Management
  • 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.
• Loan Structuring & Underwriting Support
  • 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.
• Relationship & Internal Collaboration
  • Work closely with Relationship Managers, Credit Officers, and Credit Products Specialists to provide data-driven insights.
  • Participate in client discussions and presentations as needed.
• Special Projects & Professional Development
  • 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.
• 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 3+ years of experience 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 Relationship Managers, 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).
• Strong ability to build and maintain effective relationships with stakeholders through clear communication and proactive collaboration.
• 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 work environment.

Physical Demands

No unusual physical exertion is involved.

Pay

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

Benefits

Flagstar provides teammates access to a variety of benefits including:

• Medical, dental, vision, life, and disability insurance.
• A comprehensive leave program.

For detailed information, visit Benefits | Flagstar Bank.