Credit Analyst II - Consumer & Retail Vertical

Overview

The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. A successful Credit Analyst II will be able to draft documents and prepare for credit reviews with limited support from the Portfolio Managers. The Credit Analyst II is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling, and is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight.

Additionally, the Credit Analyst II will attend and support Portfolio Reviews as needed.

• Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed.
• Use critical thinking to identify and draft documentation.
• Regularly complete indicative credit information into Banking Systems with little to no errors.
• Prepare risk-rating scorecard and tickler event analysis, determine actions based on results and work 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 course of action.
• Assess covenant compliance reporting, identify issues, review compliance certificates to understand performance and determine actions.
• Update financial covenants and calculations as needed.
• Run Probability of Default (PD) model with oversight.
• Understand and evaluate completed spreads to determine necessary edits in collaboration with the CCU team.
• Identify and recommend preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight.
• Prepare ALSR reports with oversight.
• Run risk and projection models with oversight assumptions provided.
• Complete underwriting process with limited oversight; create and complete a CAM with minimal errors.
• Review and re-write renewals for deals of limited complexity.
• Analyze portfolio and develop inputs for Portfolio Reviews in preparation for client meetings.
• Support Portfolio Managers and special projects.
• Takes appropriate remedial actions to resolve deficiencies and escalates questions/disputes to appropriate level when necessary.
• May assist with training of new employees.
• May work on special projects as assigned by management.

None

• Bachelor's degree in Business (e.g., Business Administration, Finance, or Accounting).
• 2+ years of Commercial Banking credit analysis experience.
• Experience in accounting and proficiency in Excel.
• Sound financial and risk analysis understanding, including ability to develop financial models.
• Extensive knowledge of banking products and services.
• Knowledge of corporate business structure and legal documents.
• General knowledge of U.S. government and regulation.
• Knowledge of the local or regional market preferred, but not required.
• Proficiency in internal banking applications.
• Strong verbal and written communication skills.
• Demonstrated expertise in using effective problem solving and analytical skills with ability to handle and prioritize multiple tasks.
• Proficient in all Microsoft Office software.

Normal office environment with little exposure to dust, noise, temperature and the like; minimal travel required.

Chicago, Illinois 60606

Credit Analyst II - Consumer & Retail Vertical Total Base Pay Range: $53,400.00 - $ USD Annual.

In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance. Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. For more detail, please consult our benefits page at

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.