Credit Products Analyst - Homebuilder Finance

Position Title:

Credit Products Analyst I - Home builder Finance

Location:

Englewood, CO 80112

The Commercial Credit Analyst I is an entry‑level role designed to develop foundational experience in commercial credit risk and lending. This position supports Credit Products Specialists in underwriting and monitoring commercial loans across various business segments within Commercial & Private Banking. The Analyst will develop essential skills in financial statement analysis, risk assessment, and loan structuring while ensuring compliance with bank policies and regulations.

• Spread financial statements and assess trends.
• Generate risk ratings and accompanying analyses.
• Track and review covenant compliance and borrowing base reports.
• Conduct annual and periodic portfolio reviews.
• Perform ongoing credit due diligence.
• Assist Credit Products Specialists in structuring new loans and modifications.
• Support the preparation of credit approval memoranda.
• Prepare market and collateral analysis.
• Order and review due diligence reports (e.g., appraisals, environmental reports, credit reports).
• Participate in credit training programs and deal screen meetings.
• Engage in mentoring opportunities with senior team members.
• Assist with updating credit policies and procedures.
• Develop efficiencies in credit analysis workflows.
• Support ad‑hoc projects as needed.
• Use independent judgment and discretion to make decisions and resolve problems.
• Perform special projects and additional duties and responsibilities as required.
• Adhere consistently to regulatory and compliance policies and standards; complete required compliance trainings.
• Maintain compliance with applicable federal, state and local laws and regulations.

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline.
• Minimum 1+ years experience in commercial lending or related field.
• Basic understanding of financial statements and credit risk fundamentals.
• Ability to interpret financial data, identify trends, and assess risk factors.
• Detail orientation to ensure accuracy in financial analysis and reporting.
• Time management skills to handle multiple tasks while meeting deadlines.
• Effective collaboration and communication skills (verbal and written).
• Proficiency in Microsoft Excel (including spreadsheets and basic financial modeling), Word, and PowerPoint.
• Willingness to develop expertise in commercial lending and credit risk (learning agility).
• Strong relationship‑building skills: ability to communicate clearly, engage in proactive collaboration, and leverage cross‑functional insights.
• Ability to foster or support a positive work culture and productive work environment.
• Physical demands (ADA):
  No unusual physical exertion is involved.

Flagstar is an Equal Opportunity Employer. For more information:  Member FDIC/Equal Housing Lender.