Senior Credit Products Analyst

Flagstar Bank•Work From Home TX, TX

2d•$70,451 - $115,332•Remote

About The Position

The Senior Commercial Credit Analyst is an experienced credit professional responsible for complex financial analysis, portfolio monitoring, and risk assessment. The role works closely with Credit Products Specialists, Relationship Managers, Sales, legal counsel, and senior leadership to evaluate commercial loan opportunities, recommend risk mitigations, structure credit facilities, and improve credit policies and processes. The Senior Analyst also mentors junior analysts, leads due diligence efforts, and provides credit-structuring expertise for high-value commercial clients. The position includes analyzing assigned portfolios, using independent judgment to make decisions, and resolving portfolio-related problems. It also involves special projects and other duties as required, while adhering to applicable regulatory and compliance policies, standards, laws, and required training.

Requirements

Undergraduate degree (four years or equivalent) in Finance, Accounting, Economics, or a related discipline.
At least 5 years of experience in commercial credit analysis, underwriting, or risk management.
Extensive experience with financial statement analysis, credit structuring, and portfolio management.
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 to anticipate and mitigate credit issues.
Proficiency in structuring credit facilities, negotiating terms, and recommending risk-mitigating strategies.
Ability to identify credit concerns, propose actionable solutions, and make sound recommendations to senior leadership.
Excellent verbal and written communication skills, including the ability to present complex financial data and recommendations to executives, credit committees, and external partners.
In-depth understanding of commercial credit policies, regulatory requirements, and compliance standards.
Proficiency in financial modeling, credit risk software, CRM systems, and advanced Excel functions such as pivot tables, financial projections, and data visualization.
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.
Ability to foster or support a positive work culture and productive work environment.
No unusual physical exertion is involved.

Nice To Haves

Strong leadership and mentoring experience.

Responsibilities

Collaborate with Credit Product Specialists on financial analysis for complex commercial loan portfolios.
Lead preparation of financial projections, repayment analyses, and enterprise value analyses as appropriate.
Assist with periodic client reviews, including quarterly reviews when required and annual reviews.
Conduct detailed market and collateral analysis.
Generate and review risk ratings to ensure alignment with credit policies.
Monitor financial trends and make portfolio recommendations based on client, microeconomic, and macroeconomic factors.
Evaluate covenant compliance and loan performance.
Provide expert support in structuring complex credit facilities.
Partner with Credit Products Specialists and Sales to negotiate deal terms with clients.
Assist with preparing and presenting credit approval memoranda to senior management.
Assist with credit due diligence and ensure loan documentation accuracy.
Work with legal counsel to review and assist in negotiating credit agreements.
Mentor junior analysts in financial analysis, credit structuring, and risk assessment.
Lead credit training sessions and workshops.
Improve 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.
Use independent judgment and discretion to make decisions related to the assigned portfolio.
Analyze and resolve problems pertaining to the assigned portfolio.
Perform special projects and additional duties and responsibilities as required.
Adhere to regulatory and compliance policies and standards, complete required compliance training, and maintain compliance with applicable laws and regulations.