FREE ACCESS
5,000–10,000 jobs/day
See all jobs on Scoutfield
Search thousands of fresh jobs every day.
Discover
- Fresh listings
- Fast filters
- No subscription required
Create a free account and start exploring right away.
Senior Credit Products Analyst
Flagstar Bank. Perform complex financial analysis, portfolio monitoring, and risk assessment .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in financial analysis, credit structuring, and portfolio management, with a strong focus on regulatory compliance and risk assessment. Proven ability to mentor junior analysts and lead credit training initiatives while effectively communicating complex financial data to stakeholders.
Highest-signal resume keywords
Financial Statement AnalysisCredit StructuringPortfolio ManagementRisk AssessmentRegulatory Compliance
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 ModelingCash Flow AnalysisCredit Risk AssessmentCredit Due DiligenceCovenant Compliance EvaluationMarket AnalysisRepayment AnalysisEnterprise Value AnalysisRisk Rating GenerationData-Driven Improvements
Soft Skills
LeadershipMentoringCommunicationProblem SolvingStakeholder Relationship Management
Tools & Technologies
Credit Risk SoftwareCRM SystemsAdvanced Excel FunctionsData Visualization Tools
Industry Keywords
Commercial Credit AnalysisUnderwritingRisk ManagementCredit PoliciesCompliance Standards
About the role
Key responsibilities & impact- Perform complex financial analysis, portfolio monitoring, and risk assessment
- Collaborate with Credit Product Specialists on complex commercial loan portfolios
- Prepare financial projections, repayment analyses, and enterprise value analyses
- Assist with quarterly and annual client reviews
- Conduct market and collateral analysis
- Generate and review risk ratings in alignment with credit policies
- Monitor financial trends and make portfolio recommendations based on client, microeconomic, and macroeconomic factors
- Evaluate covenant compliance and loan performance
- Structure complex credit facilities and negotiate deal terms with clients
- Prepare and present credit approval memoranda to senior management
- Assist with credit due diligence and ensure loan documentation accuracy
- Work with legal counsel on credit agreement review and negotiation
- Mentor junior analysts and 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
- Make decisions related to assigned portfolios using independent judgment and discretion
- Analyze and resolve portfolio-related problems
- Perform special projects and additional duties as required
- Complete required compliance training 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
- 5+ years in commercial credit analysis, underwriting, or risk management
- Extensive experience with financial statement analysis, credit structuring, and portfolio management
- Strong leadership and mentoring experience preferred
- Deep expertise in financial statement interpretation, cash flow analysis, and credit risk assessment for complex commercial lending relationships
- Ability to evaluate macroeconomic and microeconomic trends, industry risks, and borrower financial health
- Strong proficiency in structuring credit facilities, negotiating terms, and recommending risk-mitigating strategies
- Skilled at identifying credit concerns, proposing actionable solutions, and making recommendations to senior leadership
- Excellent verbal and written communication skills, with ability to present complex financial data and recommendations
- In-depth understanding of commercial credit policies, regulatory requirements, and compliance standards
- Proficient in financial modeling, credit risk software, CRM systems, and advanced Excel functions, including pivot tables, financial projections, and data visualization
- Ability to build and maintain effective stakeholder relationships
- Must adhere to applicable federal, state, and local laws and regulations
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