Commercial Credit Analyst II — Loan Structuring

Flagstar Bank; Town of Charlotte (NY); On-site; USD 58,000 - 96,000; Full time

Job summary

Flagstar Bank in Charlotte, NC seeks a Credit Products Analyst II to advance credit underwriting and portfolio management. You will conduct financial analysis, assist in structuring loans, and monitor risk across commercial portfolios, collaborating with Relationship Managers and Credit Officers.

The role emphasizes independent analysis, preparing risk ratings, and contributing to policy compliance and professional development within a dynamic banking team.

Qualifications

• Undergraduate degree (Finance, Accounting, Economics, or related field).
• 3+ years in commercial banking, credit analysis, or related field.

Responsibilities

• Conduct financial spreading and risk rating analysis.
• Perform due diligence and industry research.
• Prepare annual and periodic credit reviews.
• Monitor borrower performance and covenants.
• Assist in structuring new loans and modifications.
• Prepare internal credit memos and market analyses.
• Collaborate with Relationship Managers to prepare financing pitches.

Skills

Financial analysis

Credit risk

Industry research

CRM systems

Excel

Financial modeling

Education

Undergraduate degree (Finance/Economics)

Tools

CRM systems

Excel

Financial modeling

Job description

Flagstar Bank in Charlotte, NC seeks a Credit Products Analyst II to advance credit underwriting and portfolio management. You will conduct financial analysis, assist in structuring loans, and monitor risk across commercial portfolios, collaborating with Relationship Managers and Credit Officers.

The role emphasizes independent analysis, preparing risk ratings, and contributing to policy compliance and professional development within a dynamic banking team.