Senior Credit Products Analyst

🔥 2 minutes ago

🤠 Texas – Remote

🤠 Texas – Remote

💵 $70.5k - $115.3k / year

⏰ Full Time

🟠 Senior

🧐 Analyst

🦅 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

• Perform complex financial analysis, portfolio monitoring, and risk assessment • Collaborate with Credit Product Specialists on complex commercial loan portfolios • Prepare financial projections, repayment analyses, and enterprise value analyses • Assist with quarterly and annual client reviews • Conduct market and collateral analysis • Generate and review risk ratings in alignment with credit policies • Monitor financial trends and make portfolio recommendations based on client, microeconomic, and macroeconomic factors • Evaluate covenant compliance and loan performance • Structure complex credit facilities and negotiate deal terms with clients • Prepare and present credit approval memoranda to senior management • Assist with credit due diligence and ensure loan documentation accuracy • Work with legal counsel on credit agreement review and negotiation • Mentor junior analysts and lead credit training sessions and workshops • Drive improvements in underwriting processes and portfolio management strategies • Support regulatory compliance efforts and contribute to credit policy enhancements • Implement data-driven improvements to credit risk assessment tools • Make decisions related to assigned portfolios using independent judgment and discretion • Analyze and resolve portfolio-related problems • Perform special projects and additional duties as required • Complete required compliance training and maintain compliance with applicable laws and regulations

🎯 Requirements

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline • 5+ years in commercial credit analysis, underwriting, or risk management • Extensive experience with financial statement analysis, credit structuring, and portfolio management • Strong leadership and mentoring experience preferred • Deep expertise in financial statement interpretation, cash flow analysis, and credit risk assessment for complex commercial lending relationships • Ability to evaluate macroeconomic and microeconomic trends, industry risks, and borrower financial health • Strong proficiency in structuring credit facilities, negotiating terms, and recommending risk-mitigating strategies • Skilled at identifying credit concerns, proposing actionable solutions, and making recommendations to senior leadership • Excellent verbal and written communication skills, with ability to present complex financial data and recommendations • In-depth understanding of commercial credit policies, regulatory requirements, and compliance standards • Proficient in financial modeling, credit risk software, CRM systems, and advanced Excel functions, including pivot tables, financial projections, and data visualization • Ability to build and maintain effective stakeholder relationships • Must adhere to applicable federal, state, and local laws and regulations

🏖️ 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

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