Credit Products Analyst II - Hospitality, Gaming & Leisure
About The Position
The Credit Products Analyst II - Hospitality, Gaming & Leisure builds on foundational credit experience and handles more complex underwriting and portfolio management responsibilities. The role supports Credit Products Specialists in assessing credit risk, structuring commercial loans, and monitoring portfolio performance. Analysts independently conduct financial analysis, prepare risk ratings, and provide insights on credit decisions while continuing to develop industry expertise and technical skills. The position is located in Charlotte, NC 28202. It requires an undergraduate degree in Finance, Accounting, Economics, or a related discipline and at least three years of experience in commercial banking, credit analysis, or a related field. Exposure to commercial credit structuring and deal underwriting is preferred. The stated pay range is $58,176.00–$95,799.00. Flagstar offers teammates access to medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Actual starting base pay depends on location, experience, and other permitted factors; total compensation may also include variable incentives, bonuses, commissions, or other awards.
Requirements
- Undergraduate degree (four years or equivalent) in Finance, Accounting, Economics, or a related discipline.
- At least 3 years of experience 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.
- Ability to collaborate effectively with Relationship Managers, Credit Officers, and external partners.
- Critical-thinking skills to resolve credit issues and assess risk exposure.
- Proficiency with financial analysis tools, CRM systems, and Excel, including pivot tables and financial modeling.
- Ability to communicate clearly, collaborate proactively, and use cross-functional insights to build and maintain stakeholder relationships.
- Ability to identify client needs and deliver tailored solutions, and to support a positive and productive work environment.
- No unusual physical exertion is involved.
Nice To Haves
- Exposure to commercial credit structuring and deal underwriting.
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 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 and responsibilities as required.
- Adhere to applicable regulatory and compliance policies and standards, complete required compliance training, and maintain compliance with 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.
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Mid Level
