Note: The job is a remote job and is open to candidates in USA. Flagstar Bank is a financial institution seeking a Credit Products Analyst II in Commercial Banking. This role involves complex underwriting and portfolio management responsibilities, supporting specialists in assessing credit risk and structuring commercial loans while conducting financial analysis and monitoring portfolio performance.

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 financial trends
• 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
• Work closely with RMs, Credit Officers, and Credit Products Specialists to provide data-driven insights
• Participate in client discussions and presentations as needed
• Contribute to process improvement initiatives
• Continue professional development through credit training programs
• Support policy updates and regulatory compliance efforts
• 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

Skills

• 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
• Exposure to commercial credit structuring and deal underwriting beneficial

Benefits

• Medical
• Dental
• Vision
• Life
• Disability insurance
• Comprehensive leave program

Company Overview

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