Credit Structuring & Underwriting Specialist

Flagstar Bank; Beverly Hills (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 portfolio management of commercial credit relationships. This role partners with sales and credit teams to analyze financial statements, assess borrower risk, and prepare credit packages.

The position emphasizes foundational credit expertise, risk assessment, and collaboration with relationship managers to ensure sound lending decisions and portfolio growth.

Qualifications

• Undergraduate degree in Finance, Accounting, Economics, or 5+ years of equivalent experience.
• Strong foundation in financial analysis and credit concepts required.
• Experience in loan structuring and credit decision tools preferred.

Responsibilities

• Loan Structuring & Underwriting: analyze financial statements and prepare credit packages.
• Portfolio Management: monitor trends and covenant compliance.
• Client & Internal Partner Collaboration: work with sales and credit teams to structure deals and respond to inquiries.
• Credit Knowledge Development: stay updated on market trends and risk mitigation techniques.
• Uses independent judgement to make decisions regarding the portfolio and resolves problems.

Skills

Financial analysis

Risk assessment

Credit underwriting

Portfolio management

Credit structuring

Financial modeling

Communication

Teamwork

Excel proficiency

Education

Bachelor's degree in Finance/Accounting/Economics

Tools

Credit analysis software

Microsoft Excel

Job description

Flagstar Bank is seeking a Credit Products Specialist I in Newport Beach, CA to support underwriting, structuring, and portfolio management of commercial credit relationships. This role partners with sales and credit teams to analyze financial statements, assess borrower risk, and prepare credit packages.

The position emphasizes foundational credit expertise, risk assessment, and collaboration with relationship managers to ensure sound lending decisions and portfolio growth.