[Remote] Credit Products Analyst II - Commercial Banking

Note: The job is a remote job and is open to candidates in USA. Flagstar Bank is a financial institution seeking a Credit Products Analyst II in Commercial Banking. This role involves complex underwriting and portfolio management responsibilities, supporting specialists in assessing credit risk and structuring commercial loans while conducting financial analysis and monitoring portfolio performance.ResponsibilitiesConduct financial spreading and risk rating analysisPerform detailed credit due diligence and industry researchPrepare annual and periodic credit reviewsMonitor borrower performance and track financial covenantsRecommend risk rating adjustments based on financial trendsAssist Credit Products Specialists in structuring new loans and modificationsPrepare internal credit approval memorandaConduct market and collateral analysisReview and interpret due diligence reportsPartner with Relationship Managers to prepare financing-related pitch materialsWork closely with RMs, Credit Officers, and Credit Products Specialists to provide data-driven insightsParticipate in client discussions and presentations as neededContribute to process improvement initiativesContinue professional development through credit training programsSupport policy updates and regulatory compliance effortsPerforms special projects, and additional duties and responsibilities as requiredConsistently 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 regulationsSkillsEducation level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related disciplineMinimum experience required: 3+ Years in commercial banking, credit analysis, or a related fieldExposure to commercial credit structuring and deal underwriting beneficialBenefitsMedicalDentalVisionLifeDisability insuranceComprehensive leave programCompany OverviewThank you for visiting Flagstar Bank, N.A. on LinkedIn, and we look forward to being part of your financial journey. It was founded in 1987, and is headquartered in Troy, Michigan, USA, with a workforce of 5001-10000 employees. Its website is http://www.flagstar.com/.Company H1B SponsorshipFlagstar Bank has a track record of offering H1B sponsorships, with 1 in 2026, 39 in 2025, 42 in 2024, 41 in 2023. Please note that this does not guarantee sponsorship for this specific role.