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About the Role

The Credit Products Specialist I - Corporate Banking supports the underwriting, structuring, and management of commercial credit relationships. This role provides critical financial analysis, assists in risk assessment, and ensures sound credit decision-making. It partners with Relationship Managers to structure new loan transactions, monitor portfolios, and identify potential risks, supporting responsible lending and portfolio growth.

Responsibilities

Assist RMs in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages.
Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions.
Work alongside sales and credit teams to structure deals, address underwriting inquiries, and support client needs.
Act as a mentor to analysts, sharing expertise in financial analysis, credit structuring, and risk assessment.
Stay informed on market trends, credit policies, and risk mitigation techniques to strengthen expertise in commercial lending.
Uses independent judgement and discretion to make decisions regarding assigned portfolio.
Analyzes and resolves problems pertaining to the assigned portfolio.
Performs special projects, and additional duties and responsibilities as required.
Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings.
Accountable to maintain compliance with applicable federal, state and local laws and regulations.

Requirements

Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 5+ years of equivalent experience.
2+ Years in credit underwriting, portfolio management, or a related field.
Strong financial analysis and risk assessment abilities.
Basic understanding of loan structuring and credit agreements.
Proficiency in financial modeling and credit decision tools.
Effective communication and teamwork skills.
Strong foundational understanding of financial statements, key ratios, and credit analysis principles.
Ability to assess financial data, identify trends, and evaluate borrower creditworthiness.
Ensures accuracy in financial analysis, credit packages, and risk assessments.
Works effectively with RMs, credit officers, and other stakeholders; strong written and verbal communication skills.
Ability to manage multiple loan requests, meet deadlines, and prioritize tasks effectively.
Intermediate Excel skills (financial modeling, pivot tables, VLOOKUP), familiarity with credit analysis software.
Willingness to develop credit expertise, stay informed on industry trends, and apply new knowledge to underwriting and portfolio management.
Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights.
Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.
Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.
No unusual physical exertion is involved.

Skills

Financial analysis
Risk assessment
Loan structuring
Credit agreements
Financial modeling
Credit decision tools
Communication
Teamwork
Financial statements
Credit analysis
Excel
Credit analysis software

Location

New York, NY 10018

Work Type

Full-time

Experience Level

2+ Years

Education Level

Undergraduate Degree

Salary/Compensations

$83,426.25 - $136,922.00

Benefits

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

About the Company

Flagstar is committed to providing clear and accurate compensation information in accordance with applicable laws.
Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law.
Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment.

Equal Opportunity

Flagstar is an Equal Opportunity Employer