Credit Products Analyst II

Flagstar Bank; Charlotte (NC); Presencial; USD 58.000 - 96.000; Jornada completa

Descripción de la vacante

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.

Formación

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

Responsabilidades

• 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.

Conocimientos

Financial analysis

Credit risk

Industry research

Communication

Collaboration

Educación

Undergraduate Degree in Finance/Accounting/Economics

Herramientas

Excel

Pivot tables

Financial modeling

Descripción del empleo

Position Title

Location

Job Summary

Job Profile Summary
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.

Job Responsibilities:

JOB 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 RMs, 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.

ADDITIONAL ACCOUNTABILITIES

• Performs special projects, and additional duties and responsibilities as required.

• Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.

JOB REQUIREMENTS

Required Qualifications:

• Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline.

• Minimum experience required: 3+ Years in commercial banking, credit analysis, or a related field.

Preferred Qualifications:

• Exposure to commercial credit structuring and deal underwriting beneficial.

Job Competencies:

• 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).

• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.

• Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.

• Fosters or supports a positive work culture and productive work environment, displaying importance of effective relationships with customers and stakeholders.

• Physical demands (ADA): No unusual physical exertion is involved.

Flagstar is an Equal Opportunity Employer

We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information:Benefits | Flagstar Bank

Pay Range

$58,176.00 - $95,799.00