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Credit Products Analyst II – Dealer Finance
Flagstar Bank. Conduct financial spreading and risk rating analysis .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in financial analysis, credit risk assessment, and compliance with regulatory policies. Proficient in collaborating with stakeholders to provide data-driven insights and support credit structuring initiatives.
Highest-signal resume keywords
Financial ModelingCredit Risk AssessmentCommercial Banking ExperienceRegulatory ComplianceCollaboration with Relationship Managers
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Financial SpreadingCredit Due DiligenceIndustry ResearchCredit ReviewsFinancial Covenant MonitoringData AnalysisCredit StructuringFinancial ReportingCredit Agreement MonitoringProblem-Solving
Soft Skills
Critical ThinkingEffective CollaborationCommunication Skills
Tools & Technologies
Financial Analysis ToolsCRM SystemsExcel
Industry Keywords
Commercial Credit StructuringDeal UnderwritingCompliance TrainingRisk Rating AdjustmentsMarket Analysis
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 with Relationship Managers, 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
- Perform special projects and additional duties as required
- Complete required compliance trainings and maintain compliance with applicable laws and regulations
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
- Proficient in financial analysis tools, CRM systems, and Excel, including pivot tables and financial modeling
- Ability to collaborate effectively with RMs, Credit Officers, external partners, and stakeholders
- Critical thinking and problem-solving skills
- Must adhere to applicable regulatory and compliance policies, laws, and regulations
- Exposure to commercial credit structuring and deal underwriting beneficial
Benefits
Comp & perks- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability insurance
- Comprehensive leave program
- Variable incentives, bonuses, commissions, or other awards may be included in total compensation