Senior Credit Analyst – Franchise Finance
Flagstar Bank
full-time
Posted on:
Location Type: Office
Location: New York City • New York • United States
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Salary
💰 $70,451 - $118,452 per year
Job Level
About the role
- Collaborate with Credit Product Specialists with financial analysis for complex commercial loan portfolios.
- Lead in the preparation of financial projections, repayment analyses and/or enterprise value analysis as appropriate.
- Assist with the preparation of periodic client reviews (quarterly as required and annually).
- Conduct detailed market and collateral analysis.
- Generate and review risk ratings, ensuring 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 in negotiating deal terms with clients.
- Assist with the preparation and presentation of credit approval memoranda to senior management.
- Assist with credit due diligence and ensure loan documentation accuracy.
- Work closely with legal counsel to review and assist with the negotiation of credit agreements.
- Act as a mentor to junior analysts, sharing expertise in financial analysis, credit structuring, and risk assessment.
- Lead credit training sessions and workshops.
- Drive improvements in 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.
Requirements
- Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline.
- 5+ Years in commercial credit analysis, underwriting, or risk management.
- Extensive experience with financial statement analysis, credit structuring, and portfolio management.
Benefits
- medical
- dental
- vision
- life
- disability insurance
- comprehensive leave program
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
financial analysisfinancial projectionsrepayment analysisenterprise value analysismarket analysiscollateral analysisrisk ratingscovenant compliancecredit structuringcredit due diligence
Soft Skills
collaborationmentoringcommunicationnegotiationleadershippresentation skillsanalytical thinkingproblem-solvingtrainingprocess improvement