Credit Products Analyst II - Hospitality, Gaming & Leisure

Flagstar Bank•Charlotte, NC

13d•$58,176 - $95,799

About The Position

The Credit Products Analyst II supports commercial credit activity in the Hospitality, Gaming & Leisure sector. Building on foundational credit experience, the analyst handles increasingly complex underwriting and portfolio management responsibilities and supports Credit Products Specialists in assessing credit risk, structuring commercial loans, and monitoring portfolio performance. The role independently conducts financial analysis, prepares risk ratings, and provides insights on credit decisions while developing industry expertise and technical skills. The analyst works with Relationship Managers, Credit Officers, Credit Products Specialists, and external partners. Responsibilities also include contributing to process improvements, professional development, policy updates, and regulatory compliance. The position is located in Charlotte, North Carolina.

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 build and maintain effective stakeholder relationships through clear communication, proactive collaboration, and cross-functional insights.
Ability to identify client needs and deliver tailored solutions that enhance the client experience.

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 regulatory and compliance policies and standards, complete required compliance trainings, and maintain compliance with applicable federal, state, and local laws and regulations.