Credit Officer – Equipment Finance
Employment Information
Report this job
Job expired or something wrong with this job?
Job Description
Credit Officer managing equipment-finance credit risk for Flagstar Bank. Analyzing loan requests, approving credit, monitoring portfolios, and developing risk-management strategies.
Responsibilities:
- Prepare and review Flagstar Approval Memos, loan modifications, and portfolio reviews with Relationship Managers
- Conduct credit analysis, industry research, and company research to recommend appropriate credit structures
- Review, approve, or decline credit requests and escalate recommendations as appropriate
- Serve as a voting member on credit committees for loan approvals
- Monitor credit portfolios and lead credit risk review activities
- Assist in developing loan-level strategies and oversee asset management reporting
- Identify portfolio trends and support effective portfolio management strategies
- Participate in weekly deal screening meetings
- Ensure compliance with federal, state, and local regulations and internal policies
- Collaborate with lines of business to develop and refine credit policies and procedures
- Attend client meetings and conduct on-site project visits as needed
- Develop and monitor key risk indicators for the Bank
- Review departmental reports to track portfolio performance and identify emerging risks
- Lead or contribute to special projects
- Collaborate with peer managers to share best practices and improve team performance
- Improve templates, analytical tools, and procedures for the credit analysis process
- Exercise independent judgment and discretion in decision-making
- Analyze and resolve problems
Requirements:
- Undergraduate degree (4 years or equivalent) in Business, Finance, or a related field
- 10+ years of experience in credit/lending
- Ability to analyze complex financial data and assess creditworthiness
- Ability to make timely, well-informed credit decisions under pressure
- High accuracy reviewing financial statements, legal documents, and credit reports
- Ability to clearly communicate credit recommendations, risk factors, and policy exceptions
- Ability to work effectively with relationship managers, clients, and cross-functional teams
- Ability to identify problems proactively and develop practical, risk-conscious solutions
- Proficiency with credit scoring models
- Proficiency with Microsoft Excel
- Proficiency with financial modeling tools
- Proficiency with risk management software such as Moody’s RiskCalc and S&P Capital IQ
- Ability to build and maintain effective stakeholder relationships
- Ability to build trusted internal and external client relationships
- No unusual physical exertion is involved
Benefits:
- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability insurance
- Comprehensive leave program
Similar Jobs
Head of FP&A
Head of FP&A owning financial models, forecasting, and KPI planning at tem, an AI-native infrastructure company transforming electricity transactions. Building agent-assisted finance workflows for transparent, efficient energy markets.
SVP, FP&A
SVP leading global FP&A, forecasting, reporting, and value creation for OneStream, an AI-powered enterprise finance platform. Partnering with executives to scale the company toward $2B+ revenue.
Credit Products Specialist II – Equipment Finance
Credit Products Specialist underwriting complex commercial loans and managing credit portfolios for Flagstar Bank. Structuring transactions, assessing risk, negotiating terms, and mentoring junior credit professionals.
Senior Accountant – HGB Financial Statements, Controlling
Bilanzbuchhalter für HGB-Abschlüsse, Finanzbuchhaltung und Controlling bei hurra.com, einer technologiegetriebenen Digital-Performance-Agentur. Weiterentwicklung digitaler Finance-Prozesse mit ERP-Systemen, Automatisierung und AI.
Finance and Systems Coordinator
Finance coordinator supporting ERP timesheets, time-entry compliance, and reporting for Precision for Medicine’s clinical trial services. Managing helpdesk requests, discrepancies, onboarding, and month-end close support.
Finance and Systems Coordinator
Finance and systems coordinator maintaining ERP timesheets for Precision Medicine Group, a clinical trial services company. Supporting time-entry compliance, reporting, helpdesk requests, and month-end close.
Headhunter – Mercado Financeiro
Headhunter recrutando Assessores de Investimentos e profissionais de investimentos para a consultoria de Recursos Humanos A Life’n Tech. Condução de processos completos, hunting ativo e parceria estratégica com clientes.
Senior Associate, Finance Operations
Senior Finance Operations Associate supporting Riveron’s U.S. accounting and finance operations. Managing close processes, reconciliations, tax compliance, reporting, and internal controls remotely from Bangalore.
Credit Relationship Assistant Manager – Corporate & Investment Banking Group
Credit Relationship Assistant Manager supporting FI and NBFI credit analysis for MashreqBank in Pakistan. Preparing credit proposals and coordinating risk and compliance reviews with banking stakeholders.
Assistant Finance Manager
Assistant Finance Manager supporting accounting, budgeting, reporting, and vendor operations for JLL’s global commercial real estate and investment management business. Remote role based in Bengaluru.
Investment Banking Analyst
Investment Banking Analyst supporting debt placement and private capital transactions for Coconut’s remote talent network. Building models, analyzing companies, and preparing investor and transaction materials.
Director of Financial Planning – Analysis
Director of FP&A guiding financial planning, reporting, and unit economics for Ottimate’s AI-powered accounts-payable automation platform. Partnering with executives to optimize SaaS and payments growth, margins, and operations.
Senior Digital Consulting Analyst – Oracle Student Financial Aid
Senior Analyst supporting Oracle Student Financial Aid implementations at Huron, a global consultancy. Translating client meeting insights into technical documentation and actionable consulting solutions.
AVP, Finance Strategy
AVP leading enterprise strategic finance, corporate development, and M&A for Mosaic Health’s national primary-care platform. Driving valuation, integration, capital allocation, and long-term value creation.
Kundenberater – Finanzen, Versicherung
Kundenberater für Finanz-, Versicherungs- und Vorsorgethemen beim deutschen Benefit-Anbieter ValueNet. Beratung von Kundenmitarbeitenden über Telefon, E-Mail und digitale Kanäle.
Finance Manager
Finance Manager strengthening reporting, cashflow, and controls for a UK business from South Africa. Owning month-end close, management accounts, forecasting, and process improvement.
Financial Consultant
Virtual Financial Consultant delivering compliant financial planning and investment solutions to Flagstar Bank’s mass affluent clients. Building virtual client relationships, managing a book of business, and connecting customers with broader banking services.
Senior Financial Accountant
Senior Financial Accountant delivering audit-ready management accounts, reconciliations, compliance, and year-end reporting. Supporting a UK company remotely from South Africa with technical accounting expertise.
Finance Operations Associate – Accountant
Finance Operations Accountant managing Odoo bookkeeping, reconciliations, and month-end close for Soum, a Saudi used-electronics and used-car marketplace. Supporting audits, reporting, controls, and regulatory compliance as the business scales.
Director, Commercial Finance
Director of Commercial Finance guiding profitability, forecasting, and resource allocation for Interior Logic Group, a national provider of interior design and finish solutions. Partnering with sales and operations to drive growth and financial performance.