Position Title Credit Analyst I - Private Banking Location Hicksville, NY 11801 Job Summary The Commercial Credit Analyst I is an entry-level role designed to develop foundational experience in commercial credit risk and lending. This position supports Credit Products Specialists in underwriting and monitoring commercial loans across various business segments within Commercial & Private Banking. The Analyst will develop essential skills in financial statement analysis, risk assessment, and loan structuring while ensuring compliance with bank policies and regulations. Primary responsibilities include financial statement analysis, risk rating generation, credit due diligence, and portfolio monitoring. Analysts will also assist in preparing credit approval memoranda and market analysis. Job Responsibilities: Credit Monitoring & Analysis Spread financial statements and assess trends. Generate risk ratings and accompanying analyses. Track and review covenant compliance and borrowing base reports. Conduct annual and periodic portfolio reviews. Perform ongoing credit due diligence. Loan Underwriting & Structuring Support Assist Credit Products Specialists in structuring new loans and modifications. Support the preparation of credit approval memoranda. Prepare market and collateral analysis. Order and review due diligence reports (e.g., appraisals, environmental reports, credit reports). Professional Development & Training Participate in credit training programs. Attend deal screen meetings to gain exposure to credit decision-making. Engage in mentoring opportunities with senior team members. Special Projects & Process Improvement Assist with updating credit policies and procedures. Develop efficiencies in credit analysis workflows. Support ad hoc projects as needed. Uses independent judgement and discretion to make decisions. Analyzes and resolves problems. 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: 1+ Years. Job Competencies: Financial Acumen: Basic understanding of financial statements and credit risk fundamentals. Analytical Thinking: Ability to interpret financial data, identify trends, and assess risk factors. Detail Orientation: Ensures accuracy in financial analysis and reporting. Time Management: Capable of handling multiple tasks while meeting deadlines. Collaboration & Communication: Works effectively with internal teams; strong verbal and written communication skills. Technology Proficiency: Proficient in Microsoft Excel (spreadsheets, basic financial modeling), Word, and PowerPoint. Learning Agility: Willingness to develop expertise in commercial lending and credit risk. 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 $47,007.00 - $79,484.00 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

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