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Credit Analyst- Home Builder Finance

Company: Flagstar Bank
Location: Denver
Posted on: April 5, 2021

Job Description:

Position TitleCredit Analyst- Home Builder FinanceLocationDenver, CO - Home LendingJob SummaryThis position is responsible for supporting the Homebuilder Finance (HBF) Chief Operating Officer (COO), Portfolio Manager (PM) and the Relationship Manager (RM) in all aspects of monitoring and compliance of the loan portfolio with in HBF. Responsibilities include assisting the COO, RM, and PM to collect appropriate due diligence items, independently input and test financial covenants on existing loans, maintain and prepare loan covenant compliance reports, assist with monitoring and clearing exceptions, assist with monitoring maturity reports and Line Detail reports, assist PM with spreading financial statements and input requirements to Baker Hill, including tax returns, inventory and sales reports, and assisting the COO with Portfolio Review and loan compliance reports.Pay Range: $47,500.00 - $67,500.00 - $87,500.00Job Responsibilities:

  • Maintaining borrower reporting requirements and testing covenant compliance once loans are closed. Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy as well as commercial and regulatory guidelines.
  • Analysis of historical and year to date financial statements, inventory reports, historical sales and closing reports, and quarterly portfolio review. Evaluate tangible net worth, liquidity, leverage, historical profitability (gross and net margins), sales and closing trends, and conducting a breakeven analysis.
  • Monitor and follow up on financial reporting and loan documentation exceptions, generate and maintain loan renewal and maturity logs, and reviewing other monthly and quarterly reports, including the Line Detail report, HBF Sales report, exception reports, coming due reports, and Baker Hill updates.
  • Ensures compliance with applicable federal, state and local laws and regulations. Completes all required compliance training. Maintains knowledge of and adhere to Flagstar's internal compliance policies and procedures. Takes responsibility to keep up to date with changing regulations and policies.Job Requirements:
    • High School Diploma, GED, or foreign equivalent required
    • Bachelor's Degree in Business or related field OR two years of comparable work experience required.
    • Experience in reading financial statements required.
    • A minimum of 2 to 3 years previous experience in banking with commercial real estate or home builder lending portfolio management experience.
    • Previous knowledge of financial statements and financial covenants.
    • Strong analytical skills.
    • Strong computer skills.
    • Ability to work with a team and independently.
    • Demonstrated ability to understand and analyze financial statements.
    • Proficient use of Microsoft office products including Word and Excel.
    • Excellent verbal and written communication skills.
    • Attention to details.
    • Solid analytic and problem resolution skills needed.For Internal use only: Job band G. Posted 6 Days Ago Full time 08983 About Us Flagstar Bank, headquartered in Troy, Mich., is a full-service community bank with branches across the state. Chartered in 1987, today Flagstar is one of the largest savings banks in the country. It also is a mortgage powerhouse, making home loans nationwide and ranking as one of the largest mortgage originators in the country. It also is a major servicer of home loans. Flagstar Bank, FSB is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, sexual orientation, gender identity, status as a protected veteran, or status as a qualified individual with a disability.--Flagstar Bank is committed to working with and providing reasonable accommodation to individuals with disabilities. If you need a reasonable accommodation for any part of the application process, please e-mail Employment@flagstar.com --or call (248) 312-2000 to let us know the nature of your request and your contact information.

Keywords: Flagstar Bank, Denver , Credit Analyst- Home Builder Finance, Professions , Denver, Colorado

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