Job Responsibilities:

Examples of duties and responsibilities under this component include but are not limited to the following functions:

Spread financial statements and identify concerning trends Assessing the client's compliance with financial covenants Ordering due diligence reports (Appraisals, Environmental, Credit Reports, OFAC and Lexis Nexis) as needed Track the receipt of financial information (statements, borrowing base certificates, leases, guarantor information, covenants, etc) and validate compliance with the credit agreement and daily in-box Pull and review exception reports and work with the Portfolio Manager and Relationship Manager to clear exceptions Assemble market/industry data into reports distributed to credit personnel Creating/Updating procedures to assist with cross training among business segments Special projects as needed such as daily counterparty report back-up

REQUIRED LEVEL OF EDUCATION / SPECIALIZED TRAINING

HS Diploma, GED or Foreign Equivalent

CAREER PATH:

While not limited to the below outline a typical career path could include the following once a Bachelor's degree is obtained:

Credit Analyst I > Credit Analyst II > Portfolio Manager > Portfolio Manager II > Senior Portfolio Manager > Lead Portfolio Manager > Relationship Manager > Relationship Manager II > Relationship Manager III > Senior Relationship Manager > Credit Officer > Senior Credit Officer I > Chief Lending Officer or Chief Credit Officer

The position can also lead to other opportunities within Enterprise Risk Management or Community Banking such as a Relationship Manager

TRAVEL: travel is not typically required.

PHYSICAL DEMANDS (ADA):

No unusual physical exertion is involved.

STAR VALUES/CORE COMPETENCIES

The Star Values and Core Competencies are a very important part of our culture at Flagstar. Employees are expected to exhibit these behaviors while performing the duties of their jobs. Job Descriptions should be written with these qualities in mind.

Star Values

Service

The way we communicate with one another and our customers says a lot about Flagstar as a company. We choose to be engaged in our work and committed to helping each other, seeing challenges as inspirations rather than obstacles. We're compelled to do things right the first time-offering the same level of service we expect and appreciate in return.

Trust

We know our customers want substance-not lip service. We're committed to building a culture of mutual respect and transparency where our personal ethics, the caliber of our work, and the integrity we strive to uphold are without compromise.

Accountability

It's imperative that we live up to the commitments we make-to our work, to our customers, to each other. When we give our word, we commit ourselves to taking action. Standing behind what we say and do isn't an option; it's a way of life. And we'll always look for ways to improve what's in place today and plan for tomorrow.

Results

Like any business, the bottom line is important. But we'd rather measure our success by how those numbers are achieved. We can never lose sight of the part we play in our customers' and employees' daily lives, the impact we make in our communities, and the obligations we have to every one of our investors.

Core Corporate Competencies

Compliance

Adhere to all REGULATORY AND COMPLIANCE issues linked to the job and the team and understand how these issues help the bank achieve the vision of remaining an independent bank.

Staff member is expected to consistently adhere to regulatory and compliance policies and standards linked to their job as listed. Staff member will not repeatedly act in a manner signifying intentional or willful noncompliance, nor exhibit gross negligence or a general disregard for compliance and regulatory standards. Staff member must ensure compliance with applicable federal, state and local laws and regulations. Staff member must complete all required compliance training on a timely basis. Staff member will maintain knowledge of and adhere to Flagstar's internal compliance policies and procedures. Staff member must take responsibility to keep up to date with changing regulations and policies.

Collaboration

Understands the importance of relationships to enable effective teamwork. Modifies personal style, focuses on the needs of others, and listens effectively to ensure effective outcomes for group endeavors.

Results Focus

Takes a dynamic approach to work characterized by initiating decisions and actions. Concentrates on achieving the outcomes of a process or project while adhering to the overall strategy of the organization. Creates a culture of accountability and performance.

Work Ethic

Demonstrates attributes of ethical behaviors, high personal standards, and sound work ethic all employers should expect of employees. Consistently treats others with respect and understanding. Responds in a timely manner to all customers and co-workers.

This classification description is intended to indicate the general kinds of tasks and levels of work difficulty that are required of positions given this title and should not be construed as declaring what the specific duties and responsibilities of any particular position shall be. It is not intended to limit or in any way modify the right of any supervisor to assign, direct and control the work of employees under her/his supervision. The use of a particular expression or illustration describing duties shall not exclude other duties not mentioned that are of a similar kind or level of difficulty.