Senior Credit Products Analyst - Oil & Gas

Position Title

Location

Job Summary

Job Responsibilities:

• 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.

• Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline.
• Minimum experience required: 5+ Years in commercial credit analysis, underwriting, or risk management.
• Extensive experience with financial statement analysis, credit structuring, and portfolio management.

• Strong leadership and mentoring experience preferred.

• Expert-Level Financial & Credit Analysis – Deep expertise in financial statement interpretation, cash flow analysis, and credit risk assessment for complex commercial lending relationships.
• Strategic Risk Management – Ability to evaluate macroeconomic and microeconomic trends, industry risks, and borrower financial health to anticipate and mitigate potential credit issues.
• Advanced Credit Structuring – Strong proficiency in structuring credit facilities, negotiating terms, and recommending risk-mitigating strategies.
• Decision-Making & Problem-Solving – Skilled at identifying credit concerns, proposing actionable solutions, and making sound recommendations to senior leadership.
• Stakeholder Engagement & Communication – Excellent verbal and written communication skills, with the ability to present complex financial data and recommendations to executives, credit committees, and external partners.
• Regulatory & Policy Expertise – In-depth understanding of commercial credit policies, regulatory requirements, and compliance standards.
• Technology & Data Utilization – Proficient in financial modeling, credit risk software, CRM systems, and advanced Excel functions (pivot tables, financial projections, data visualization).
• 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.

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

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