Commercial Real Estate; CRE Credit Analyst

Credit Analyst II

Responsible for partnering with Portfolio Managers or Underwriters in Commercial Real Estate (CRE) credit underwriting and monitoring, conducting financial and risk analysis, drafting documentation, and supporting credit reviews. The role focuses on developing and executing underwriting processes, covenant monitoring, risk modeling, and Portfolio Review preparation.

• Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed
• Use critical thinking to identify and draft documentation
• Maintain accuracy when entering indicative credit information into Banking Systems
• Prepare risk‑rating scorecards and tickler event analyses, determining actions in collaboration with PMs
• Develop risk models and advise PMs of unforeseen obstacles that may impede meeting client expectations
• Identify and determine monitoring analysis activities required
• Verify covenants and define updates needed on ticklers
• Monitor covenant completion, track past‑due or out‑of‑compliance covenants, and recommend appropriate actions
• Assess covenant compliance reporting and identify issues
• Review covenant compliance certificates to understand performance and determine actions
• Update financial covenants and calculations as needed
• Run Probability of Default (PD) model with oversight
• Evaluate completed spreads and make necessary edits in collaboration with the CCU team
• Recommend preliminary portfolio management actions using Credit Service reporting and RADAR
• Prepare ALSR reports with oversight
• Run risk and projection models with provided assumptions
• Complete the underwriting process with limited oversight
• Create and complete a CAM with minimal errors
• Rewrite renewals for deals of limited complexity
• Lead portfolio analysis and prepare Portfolio Review presentations for client meetings
• Support Portfolio Managers and special projects
• Take remedial actions to resolve deficiencies and Escalate questions when necessary
• Assist in training new employees
• Participate in special projects as assigned

• Bachelor’s degree in Business Administration, Finance, Accounting, or a related field
• Minimum 2 years of Commercial Banking credit experience
• Strong financial and risk analysis skills, including developing financial models
• Extensive knowledge of banking products and services
• Understanding of corporate business structure and legal documents
• Knowledge of U.S. government and regulatory requirements
• Familiarity with the local or regional market (preferred)
• Proficiency in internal banking applications
• Excellent verbal and written communication skills
• Demonstrated problem‑solving and analytical skills with the ability to prioritize multiple tasks
• Proficiency in Microsoft Office applications

• Normal office environment with minimal exposure to dust, noise, and temperature variations
• Minimal travel required

Base salary range:
54,400. USD annually. Total rewards include comprehensive benefits and incentive compensation based on performance.

Charlotte, North Carolina 28202

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status, or any other legally protected status.