Flagstar Bank

Analyst

• Coordinate and lead the quarterly production of the Allowance for Credit Losses (ACL)
• Lead analysis of key drivers impacting changes in the ACL
• Partner with the Credit function and key stakeholders to support manager in developing qualitative adjustments
• Oversee the preparation and maintenance of ACL documentation
• Communicate ACL results to internal leadership and external stakeholders
• Support manager in driving strategic initiatives to enhance the ACL framework
• Maintain strong knowledge of relevant accounting standards and regulatory guidance

Lead Allowance for Credit Losses Analyst

Financial Planning and Analysis

• Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs
• Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
• Serve as a strategic partner to sales and senior leadership, offering expertise in credit negotiations and deal execution.
• Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
• Mentor junior credit professionals, providing training and leadership in credit risk best practices.
• Proactively identifies and raises to senior leadership improvement areas in credit processes and procedures.
• Uses independent judgement and discretion to make decisions regarding assigned portfolio.

Senior Credit Products Specialist – Specialized, Equipment Finance

• Responsible for the review and data validation within our system as input by Brokers, Disclosure Management Analysts, Retail Processors
• Communicating directly with brokers, loan officers, loan processors, closers, account executives, regional managers, and customer service representatives
• Completing all missing or inaccurate information to create compliant Loan Estimates or decision Change Circumstance requests
• Delivering the Initial Loan Estimate to the borrower along with the Intent to Proceed and Service Provider List documents
• Performing special projects, and additional duties and responsibilities as required

Disclosure Management Escalations Analyst

Payroll

• Responsible for performing all duties necessary for the accurate calculation of wages, maintenance of records and distribution of payroll reports and withheld monies.
• Reviews, analyzes and verifies payroll reports and documents for accuracy, makes necessary adjustments or corrections through journal entries or other established procedures.
• Initiates payroll processing quality assurance reviews.
• Analyzes and responds to complex matters requiring comprehensive knowledge of payroll policies and procedures, authorize exceptions to the policy within defined limits.
• Acts as a subject matter expert and/or resource to others in the area of payroll processing.
• Researches and interprets a variety of complex technical information in response to inquiries.
• Advises, interprets and provides direction to management and staff on rules and procedures, Federal, state and local laws and regulations involving payroll.
• Prepares and files a variety of local, state, and federal forms including, but not limited to, tax forms, monthly, quarterly and year end filings, responds to outside agency requests for production.
• Submits reports to supervisor for review.
• 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.

Senior Payroll Specialist – Workday Payroll

• Supports structuring, pricing, execution, and risk management of interest rate and commodity hedging solutions
• Monitor interest rate markets, prepare daily and weekly market updates
• Build working knowledge of derivatives including interest rates and commodities
• Support senior sales by running pricing models and preparing client-ready materials
• Coordinate end-to-end trade execution with sales, trading, and operations teams
• Assist with counterparty credit exposure tracking and ensure adherence to internal controls and policies
• Work with Relationship Managers to prepare client materials and identify hedging needs

Analyst – Interest Rate and Commodity Derivatives

• Identify and solicit new business prospects through direct contacting efforts
• Develop partnerships with Flagstar bankers across Commercial and Private Banking Groups
• Leverage industry insight, product knowledge, and communication skills to develop strong relationships with new & existing clients
• Achieve/exceed new business volume quotas and portfolio growth goals set annually by management
• Evaluate all aspects of potential transactions including financial position of clients and transaction structure
• Partner with credit and documentation teams to meet service expectations and manage risk
• Monitor existing client creditworthiness on an ongoing basis
• Analyze and resolve problems pertaining to client transactions and service levels
• Perform special projects and additional duties as required

Executive Sales Officer – Equipment Finance

Sales

• Managing Director in FX Sales leads the bank’s foreign exchange sales business
• Focuses on generating revenue, managing key client relationships
• Working with trading teams to develop FX hedging and trading solutions
• Monitor global currency markets and macroeconomic trends
• Ensure adherence to regulatory requirements and internal risk controls

Managing Director, Capital Markets – FX, Head of Sales

Manager

• Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures.
• Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns.
• Partner with RMs in negotiations and client discussions, ensuring alignment between client needs and risk appetite.
• Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks.
• Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture.

Credit Products Portfolio Manager II

• Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures.
• Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns.
• Partner with RMs in negotiations and client discussions, ensuring alignment between client needs and risk appetite.
• Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks.
• Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture.
• Identifies and raises to leadership improvement areas in credit processes and procedures.
• Uses independent judgement and discretion to make decisions regarding assigned portfolio.
• Analyzes and resolves problems pertaining to the assigned portfolio.

• 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

Credit Products Analyst II

Risk

• Assist ensuring team achieves and maintains a consistent and efficient approach to review of all required materials.
• Help with the review of all or a sampling of BU data.
• Perform a wide variety of tasks related to quality control servicing according to established policies, procedures and regulatory guidelines.
• Contribute to the analysis of findings from FLRCA Analysts and Specialists review to assist in identifying trending errors and individual business unit/servicer performance.
• Assist in testing and validation of various reporting.
• Assist with onboarding and training of new Analysts and Specialists.
• Analyze and resolve problems.

Risk and Controls Advisory Lead

• Develop and manage a portfolio of strategic partnerships
• Drive equipment finance volume, identifying opportunities to expand market share
• Serve as the primary point of contact for strategic partners
• Collaborate with underwriting, operations, risk, and compliance teams
• Expert on emerging equipment finance industry trends and share insights with stakeholders

Director – Executive Sales Officer

• Assist sales in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages within assigned specialized vertical or region
• Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions
• Work alongside sales and credit teams to structure deals, address underwriting inquiries, and support client needs
• Stay informed on market trends, credit policies, and risk mitigation techniques to strengthen expertise in commercial lending

Credit Products Specialist I – Equipment Finance

Account Manager

• Manages government sector relationships and is assigned to Government Banking in the Institutional Banking Solutions group.
• Responsible for new business development of relationships that will drive profitability from government entities (state, county, municipal, public school districts and public higher education) across their respective markets.
• Generates deal flow directly from these clients/prospects.
• Orchestrates a team approach to the relationship.
• Responsible for sourcing, deepening through effective cross-selling of municipal loans, treasury management and liquidity products.
• Continues retention of profitable customer relationships.
• Manages a moderately complex portfolio of public sector clients ensuring growth and retention of profitable banking relationships with minimal risk to the bank.
• Ensures compliance with applicable laws, regulations and guidelines.

Relationship Manager, Government Banking

• Responsible for the overall daily review, investigation and clearance of all potential sanction matches
• Escalate potential sanctions matches to senior colleagues
• Engage in additional assignments as directed by management
• Attend and participate in team/department staff meetings and continuing education training
• Acquire knowledge and maintain currency of all compliance, regulatory, and business unit policy, standard and procedure requirements associated with the job
• Ensure compliance with applicable federal, state and local laws and regulations
• Complete all required compliance training
• Maintain knowledge of and adhere to internal compliance policies and procedures
• Take responsibility to keep up to date with changing regulations and policies
• 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.

Lead Allowance for Credit Losses Analyst

Senior Credit Products Specialist – Specialized, Equipment Finance

Disclosure Management Escalations Analyst

Senior Payroll Specialist – Workday Payroll

Analyst – Interest Rate and Commodity Derivatives

Executive Sales Officer – Equipment Finance

Managing Director, Capital Markets – FX, Head of Sales

Credit Products Portfolio Manager II

Credit Products Portfolio Manager II

Credit Products Analyst II

Risk and Controls Advisory Lead

Director – Executive Sales Officer

Credit Products Specialist I – Equipment Finance

Relationship Manager, Government Banking

Sanctions Analyst – OFAC