Position Title Credit Products Analyst II - Dealer Finance Location Nationwide, MI 48098 Job Summary The Commercial Credit Analyst II - Dealer Finance 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. Job Responsibilities: 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. ADDITIONAL ACCOUNTABILITIES 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 Finance, Accounting, Economics, or a related discipline. Minimum experience required: 3+ Years in commercial banking, credit analysis, or a related field. Preferred Qualifications: Exposure to commercial credit structuring and deal underwriting beneficial. Job Competencies: 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. Fosters or supports a positive work culture and productive work environment, displaying importance of effective relationships with customers and stakeholders. Physical demands (ADA): No unusual physical exertion is involved. Flagstar is an Equal Opportunity Employer - Vets/Disabled We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. 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: Benefits | Flagstar Bank Pay Range $58,176.00 - $95,799.00 Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as appliable. Flagstar Bank, N.A. is based in Hicksville, NY, and at December 31, 2025, had $87.5 billion in assets, $60.7 billion in loans, $66 billion in deposits, and $8.1 billion in total stockholder equity. We are a leading regional bank with approximately 340 locations, and strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and the West Coast. We are driven by our commitment to partner with our clients to set and reach goals together, helping them to take charge and thrive. Our focus is on four core lines of business that include Personal, Private, Small Business and Corporate & Commercial Banking. Flagstar Bank is committed to ensuring that you can successfully engage in our recruiting process. If you need assistance completing your employment application or if you would like to request a reasonable accommodation, please contact our team at [email protected]. Equal Opportunity Employer For more Information: EEOC_KnowYourRights Member FDIC/Equal Housing Lender

Credit Products Analyst II - Dealer Finance.

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