Commercial Credit Analyst II — Underwriting & Portfolio Risk Insight

Flagstar Bank

Charlotte (NC)

On-site

USD 58,000 - 96,000

Full time

14 days+

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Job summary

Flagstar Bank is seeking a Commercial Credit Analyst II in Charlotte, NC. You will perform financial spreading, risk rating, and industry research to support loan structuring and portfolio monitoring. This role partners with Credit Officers, RMs, and specialists to assess risk and enhance credit decisions.

Responsibilities include credit reviews, borrower monitoring, and preparing materials for approvals, with emphasis on data-driven insights and regulatory compliance.

Qualifications

Undergraduate degree in Finance, Accounting, Economics or related discipline.
Minimum 3+ years in commercial banking, credit analysis, or related field.

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 trends.
Assist in structuring new loans and modifications.
Prepare internal credit approval memoranda.
Conduct market and collateral analysis.
Review due diligence reports and collaborate on financing materials.
Work with Relationship Managers to prepare pitches.

Skills

Financial analysis

Credit risk

Industry research

Communication

Collaboration

Education

Undergraduate Degree in Finance/Accounting/Economics

Tools

Excel

Pivot tables

Financial modeling

Job description

Responsibilities include credit reviews, borrower monitoring, and preparing materials for approvals, with emphasis on data-driven insights and regulatory compliance.

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