Credit Products Analyst II - ESOP Finance

Flagstar Bank•New York, NY

8d•Onsite

About The Position

The Commercial Credit Analyst II builds upon foundational credit experience by taking on more complex underwriting and portfolio management responsibilities. This role plays a key part in supporting Credit Products Specialists in assessing credit risk, structuring commercial loans, and monitoring portfolio performance. Analysts are expected to independently conduct financial analysis, prepare risk ratings, and provide insights on credit decisions, while continuing to refine industry expertise and technical skills. Candidate would be joining the newly established ESOP Finance Group, which is involved in ESOP-related leveraged buyouts of privately held companies throughout the United States. This group is a strategic priority for the Bank as ESOP-related financing is expected to grow significantly over the next 5 to 10 years.

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.
Advanced Financial & Credit Analysis: Proficiency in financial modeling, credit risk assessment, and industry research.
Risk Assessment & Decision-Making: Ability to analyze complex credit situations and recommend solutions.
Process & Portfolio Management: Strong skills in tracking financial reporting and monitoring credit agreements.
Collaboration & Influence: Works effectively with RMs, Credit Officers, and external partners.
Problem Solving: Applies critical thinking to resolve credit issues and assess risk exposure.
Technology & Data Utilization: Proficient in financial analysis tools, CRM systems, and Excel (pivot tables, financial modeling).
Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights.
Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.
Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.
Fosters or supports a positive work culture and productive work environment, displaying importance of effective relationships with customers and stakeholders.

Nice To Haves

Exposure to commercial credit structuring and deal underwriting beneficial.

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.