Credit Analyst II - (Home Builder Finance) West

The Credit Analyst II is responsible for performing the credit review and analysis for routine to moderately complex loans. Assigned to support Relationship Managers, Portfolio Managers and Credit Officers in a specific business segment such as; C&I, CRE or Small Business Banking. Reviews financial statements, federal tax returns, credit reports, as well as any other required documentation necessary for determining adherence to the Bank’s established underwriting policies and procedures. Determines the acceptability of loan applicant based on the credit factors analyzed. Prepares summaries, presents facts, and offers opinions and recommendations concerning the credit-worthiness of applicants to Management. Pay Range : $64,022 - $83,229 - $102,436 Performs credit review and analysis for routine to moderately complex loan applications for various types of loans. This includes : Financial statement / tax return analysis, An examination of organizational and legal documents for determining managerial capacity Reviews and determines the acceptability of all other required application documentation as set forth under the Bank’s Credit Policy. Conducts credit investigations to determine acceptable historical character of applicants and principals from available reporting services including : The 3 major credit bureaus, Westlaw database, World-check database, Available internet-based sources, Current and / or former lenders Conducts discussions with attorneys, brokers, accountants and applicants. Spreads financial statements and assesses the client’s compliance with financial covenants Tracks the receipt of financial information (statements, borrowing base certificates, leases, guarantor information, covenants, etc.) and validates compliance with the credit agreement. Completes analysis and review of new loan request packages to identify credit issues and recommend appropriate loan structure. Pulls and reviews exception reports and work with the Portfolio Manager and Relationship Manager to clear exceptions. Prepares periodic reviews and analysis of existing commercial relationships focusing on a company’s leverage, key risk factors, repayment sources, cash flow and ability to service debt. Orders due diligence reports (Appraisals, Environmental, Credit Reports, OFAC and Lexis Nexis) as needed. Monitors and tracks financial reporting requirements. Assembles market / industry data into reports distributed to credit personnel. Makes recommendations on risk rating appropriateness of credits. 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 Required Qualifications : Education level required : Undergraduate Degree (4 years or equivalent) in business, finance or related field. Minimum experience required : 1 Years of credit analyst experience. Job Competencies : Intermediate knowledge of financial analysis techniques. Intermediate knowledge of financial statements. Knowledge of valuation methodologies for various types properties. Proficient in the use of Microsoft Word, Excel, Access, Outlook, and internet searches. Strong analytical and problem-solving skills. Excellent written and verbal communication skills. Excellent organizational skills. Detail oriented. Ability to analyze various types of financial statements, tax returns and credit reports. Ability to meet deadlines and work well under pressure. Physical demands (ADA) : No unusual physical exertion is involved. Flagstar is an equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identify, or national origin.

Salary : $64,022 - $83,229