Credit Products Analyst II – Commercial Banking

Flagstar Bank

Credit Products Analyst supporting Credit Products Specialists in credit risk analysis and loan structuring within a commercial banking setting. Conducting financial analysis and managing portfolio performance with industry expertise.

Posted 5/8/2026full-timeRemote • Florida • 🇺🇸 United StatesMid-LevelSenior💰 $58,176 - $95,799 per yearWebsite

About the role

Key responsibilities & impact

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.
Contribute to process improvement initiatives.
Continue professional development through credit training programs.

Requirements

What you’ll need

Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline.
3+ Years 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.
Works effectively with RMs, Credit Officers, and external partners.
Applies critical thinking to resolve credit issues and assess risk exposure.
Proficient in financial analysis tools, CRM systems, and Excel (pivot tables, financial modeling).

Benefits

Comp & perks

medical, dental, vision, life, and disability insurance
comprehensive leave program

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

financial spreadingrisk rating analysiscredit due diligencefinancial modelingcredit risk assessmentfinancial reportingcredit agreementsmarket analysiscollateral analysisdata-driven insights

Soft Skills

critical thinkingproblem solvingcollaborationcommunicationprocess improvement