Senior Business Credit Analyst

Há 22 horas

Brasil beBeeCommercial Tempo inteiro R$270.000 - R$450.000
Commercial Credit Specialist Role Overview

The Commercial Credit Specialist plays a key role in structuring and underwriting complex commercial credit transactions while managing an assigned loan portfolio within a specialized vertical or region. This position is responsible for independently analyzing credit risk, negotiating loan terms, and providing strategic recommendations to relationship and credit teams.

By proactively monitoring portfolio performance and identifying emerging risks, this role ensures sound credit decisions and long-term client success. The position also supports the professional development of junior team members by sharing expertise and best practices.

Key Responsibilities:
  • Credit Structuring & Underwriting: Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures within the assigned specialized vertical or region.
  • Portfolio Management: Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns.
  • Client Engagement: Partner with sales in negotiations and client discussions, ensuring alignment between client needs and risk appetite.
  • Credit Agreement Review: Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks.
  • Mentorship & Training: Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture.
Additional Accountabilities:
  • Perform special projects and additional duties as required.
  • Consistently adhere to regulatory and compliance policies and standards linked to the job.
Job Requirements:
  • Education: Bachelor's Degree in Finance, Accounting, Economics, or related field, or 10+ years of equivalent experience.
  • Minimum Experience: 4+ Years in commercial credit analysis, underwriting, or portfolio management.
  • Advanced Financial Modeling and Risk Assessment Expertise.
  • Strong Negotiation Skills and Ability to Collaborate with Clients.
  • Experience Structuring Complex Loan Transactions.
  • Ability to Analyze Macroeconomic Trends and Their Impact on Credit Risk.
Required Competencies:
  • Advanced Financial Analysis: Strong command of financial modeling, industry-specific credit risks, and structuring commercial credit transactions.
  • Risk Assessment and Decision-Making: Ability to proactively identify potential credit risks and recommend risk mitigation strategies.
  • Negotiation Skills: Works with Relationship Managers and clients to structure loan terms that align with both client needs and risk parameters.
  • Process and Portfolio Management: Manages complex portfolios, ensuring proactive monitoring and adherence to credit policies.

Flagstar is an Equal Opportunity Employer.

Benefits include medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program.

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