Credit Structuring & Risk Analyst

Flagstar Bank; Newport Beach (CA); On-site; USD 82,000 - 131,000; Full time

Job summary

Flagstar Bank is seeking a Credit Products Specialist I in Newport Beach, CA to support underwriting, structuring, and management of commercial credit relationships. The role partners with sales and credit teams to structure deals, monitor portfolios, and assess risks.

Responsibilities include assisting in loan structuring, analyzing financial statements, and providing foundational credit expertise to support responsible lending and portfolio growth.

Qualifications

• Undergraduate degree in Finance, Accounting, Economics or related field or equivalent experience.
• 3+ years in credit underwriting, portfolio management, or related field.
• 3+ years in the direct specialized line of business (Specialized commercial industries, capital markets, corporate banking).

Responsibilities

• Assist in loan structuring and underwriting by analyzing financial statements and borrower creditworthiness.
• Monitor portfolio performance, covenants, and borrowing bases to flag risks and actions.
• Collaborate with sales and credit teams to structure deals and respond to underwriting inquiries.
• Mentor analysts, sharing financial analysis and credit structuring expertise.

Skills

Credit underwriting

Portfolio management

Financial analysis

Risk assessment

Credit agreements

Education

Undergraduate Degree

Finance

Accounting

Economics

Tools

Excel

Financial modeling

Pivot tables

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Job description

Flagstar Bank is seeking a Credit Products Specialist I in Newport Beach, CA to support underwriting, structuring, and management of commercial credit relationships. The role partners with sales and credit teams to structure deals, monitor portfolios, and assess risks.

Responsibilities include assisting in loan structuring, analyzing financial statements, and providing foundational credit expertise to support responsible lending and portfolio growth.