Credit Analyst II - (Home Builder Finance) West

Position TitleCredit Analyst II - (Home Builder Finance) West

LocationEnglewood, CO 80112

Job SummaryThe 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

Pay Range: Local Minimum Wage - $0.00 - $0.00

Job Responsibilities:

Spread financial statements and assess the client’s compliance with financial covenants.

Monitor and track financial reporting requirements and other covenants as required by the loan agreement.

Build and maintain compliance monitors for each separate loan facility with monthly updates regarding WIP/inventory, sales and closings reports, borrowing base certificates, and financial statements.

Prepare and complete a quarterly portfolio review presentation by working with Relationship Managers and Portfolio Managers. This includes updating all compliance monitors with current project status, identifying project delays or potential risks, tracking risk ratings, and compiling the information into a single report for all Homebuilder Finance regions and Executive Leadership.

Analyze market data from appraisals and research/consulting firms, prepare report based on current real estate and homebuilder market conditions.

Monthly updates and reporting for interest reserves, draw funding, trial balance, and deposit tracking.

Review and determine the acceptability of all other required documentation as set forth under the Bank’s credit policy.

Perform credit review and assist team members during underwriting and approval stages.

Assist team members with special projects as needed.

This role primarily includes the use of the following applications and websites: Moody’s CreditLens, nCino/Salesforce, Microsoft Excel, Word, SharePoint, Adobe Acrobat, AFS Vision, RIMS, Zonda, Federal Reserve Economic Data, and US Securities and Exchange Commission.

Required Qualifications:

Education level required: Undergraduate Degree (4 years or equivalent) with preferred major in Finance, Business, or related field.

Minimum experience required: 1+ Years of credit analysis experience or equivalent experience in commercial finance or banking.

Job Competencies:

Intermediate knowledge of financial analysis techniques.

Intermediate knowledge of financial statements.

Knowledge of valuation methodologies for various types of 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.

ADDITIONAL ACCOUNTABILITIES

Performs special projects, 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.

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.

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