Credit Analyst II - Asset Based Lending

Position Title
Credit Analyst II - Asset Based Lending

Location
New York, NY 10018

Job Summary
The Credit Products Analyst II builds upon foundational credit experience by taking on more complex underwriting and portfolio management responsibilities. This role plays a key part in supporting Credit Products Specialists in assessing credit risk, structuring commercial loans, and monitoring portfolio performance. Analysts are expected to independently conduct financial analysis, prepare risk ratings, and provide insights on credit decisions, while continuing to refine industry expertise and technical skills.

Pay Range: $64,022 - $83,229 - $102,436

Job Responsibilities:
Credit Risk Analysis Portfolio Management:
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.
Loan Structuring Underwriting Support:
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.
Relationship Internal Collaboration:
Work closely with RMs, Credit Officers, and Credit Products Specialists to provide data-driven insights.
Participate in client discussions and presentations as needed.
Special Projects Professional Development:
Contribute to process improvement initiatives.
Continue professional development through credit training programs.
Support policy updates and regulatory compliance efforts.
Uses independent judgement and discretion to make decisions
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.
Job Requirements:
Education level required: Undergraduate Degree (4 years or equivalent)
Minimum experience required: 2+ Years in commercial banking, credit analysis, or a related field.
Exposure to commercial credit structuring and deal underwriting beneficial, preferred.
Advanced Financial Credit Analysis: Proficiency in financial modeling, credit risk assessment, and industry research.
Risk Assessment Decision-Making: Ability to analyze complex credit situations and recommend solutions.
Process Portfolio Management: Strong skills in tracking financial reporting and monitoring credit agreements.
Collaboration Influence: Works effectively with RMs, Credit Officers, and external partners.
Problem Solving: Applies critical thinking to resolve credit issues and assess risk exposure.
Technology Data Utilization: Proficient in financial analysis tools, CRM systems, and Excel (pivot tables, financial modeling).
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.
Physical demands (ADA): No unusual physical exertion is involved.
Flagstar is an Equal Opportunity Employer
Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information:
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