Credit Officer – Equipment Finance

Flagstar Bank

Credit Officer managing equipment-finance credit risk for Flagstar Bank. Analyzing loan requests, approving credit, monitoring portfolios, and developing risk-management strategies.

Posted 8/12/2026full-timeRemote • 🇺🇸 United StatesSeniorLead💰 $102,263 - $185,638 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit analysis, risk management, and compliance with regulations while effectively collaborating with stakeholders to develop and refine credit policies. Proficient in financial modeling and credit scoring, with a strong ability to communicate complex credit recommendations clearly.

Highest-signal resume keywords

Credit AnalysisRisk Management SoftwareFinancial Modeling ToolsCredit Scoring ModelsStakeholder Relationship Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisFinancial Data AnalysisCredit Decision MakingPortfolio ManagementLoan ModificationsCredit Risk ReviewRegulatory ComplianceCredit Portfolio MonitoringCredit Request ReviewIndustry Research

Soft Skills

Effective CommunicationProblem SolvingTeam CollaborationRelationship ManagementDecision Making

Tools & Technologies

Microsoft ExcelMoody’s RiskCalcS&P Capital IQ

Industry Keywords

Credit CommitteesLoan ApprovalsAsset Management ReportingKey Risk IndicatorsCredit Policies and Procedures

About the role

Key responsibilities & impact

Prepare and review Flagstar Approval Memos, loan modifications, and portfolio reviews with Relationship Managers
Conduct credit analysis, industry research, and company research to recommend appropriate credit structures
Review, approve, or decline credit requests and escalate recommendations as appropriate
Serve as a voting member on credit committees for loan approvals
Monitor credit portfolios and lead credit risk review activities
Assist in developing loan-level strategies and oversee asset management reporting
Identify portfolio trends and support effective portfolio management strategies
Participate in weekly deal screening meetings
Ensure compliance with federal, state, and local regulations and internal policies
Collaborate with lines of business to develop and refine credit policies and procedures
Attend client meetings and conduct on-site project visits as needed
Develop and monitor key risk indicators for the Bank
Review departmental reports to track portfolio performance and identify emerging risks
Lead or contribute to special projects
Collaborate with peer managers to share best practices and improve team performance
Improve templates, analytical tools, and procedures for the credit analysis process
Exercise independent judgment and discretion in decision-making
Analyze and resolve problems

Requirements

What you’ll need

Undergraduate degree (4 years or equivalent) in Business, Finance, or a related field
10+ years of experience in credit/lending
Ability to analyze complex financial data and assess creditworthiness
Ability to make timely, well-informed credit decisions under pressure
High accuracy reviewing financial statements, legal documents, and credit reports
Ability to clearly communicate credit recommendations, risk factors, and policy exceptions
Ability to work effectively with relationship managers, clients, and cross-functional teams
Ability to identify problems proactively and develop practical, risk-conscious solutions
Proficiency with credit scoring models
Proficiency with Microsoft Excel
Proficiency with financial modeling tools
Proficiency with risk management software such as Moody’s RiskCalc and S&P Capital IQ
Ability to build and maintain effective stakeholder relationships
Ability to build trusted internal and external client relationships
No unusual physical exertion is involved

Benefits

Comp & perks

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Comprehensive leave program