Credit Products Analyst II – Dealer Finance

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $58.2k - $95.8k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

💸 Financial Planning and Analysis (FP&A)

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Flagstar Bank

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

🛡️ Insurance

💼 Consulting

🏥 Healthcare

Insurance • Consulting • Healthcare

Flagstar Bank is a diversified commercial bank focused on building relationships to help clients on their financial journeys, whether for personal or business needs. The bank offers a wide range of financial services including personal and business banking, loans, mortgages, wealth management, and investment services. Flagstar is committed to community involvement and meeting the banking needs of diverse neighborhoods, including low- and moderate-income areas, while promoting diversity, equity, and inclusion within its operations.

📋 Description

• 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 with Relationship Managers, 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 • Perform special projects and additional duties as required • Complete required compliance trainings and maintain compliance with applicable laws and regulations

🎯 Requirements

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline • 3+ years in commercial banking, credit analysis, or a related field • Proficiency in financial modeling, credit risk assessment, and industry research • Ability to analyze complex credit situations and recommend solutions • Strong skills in tracking financial reporting and monitoring credit agreements • Proficient in financial analysis tools, CRM systems, and Excel, including pivot tables and financial modeling • Ability to collaborate effectively with RMs, Credit Officers, external partners, and stakeholders • Critical thinking and problem-solving skills • Must adhere to applicable regulatory and compliance policies, laws, and regulations • Exposure to commercial credit structuring and deal underwriting beneficial

🏖️ Benefits

• Medical insurance • Dental insurance • Vision insurance • Life insurance • Disability insurance • Comprehensive leave program • Variable incentives, bonuses, commissions, or other awards may be included in total compensation