Credit Analyst

Make banking a Fifth Third better®

We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

The Credit Analyst 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 will be able to draft documents and prepare for credit reviews with limited support from the Portfolio Managers. The Credit Analyst II is knowledgeable in financial and risk analysis and demonstrates proficiency in financial modeling.

The Credit Analyst II 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.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensuring that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

• 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 and determine actions based on results in collaboration with PM’s
• 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 and track past‑due or out‑of‑compliance covenants and recommend appropriate course of action
• 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
• 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 Credit Analysis Memorandum (CAM) with little to no errors
• Review and rewrite renewals for deals of limited complexity
• Support portfolio analysis and development for Portfolio Reviews in preparation for client meetings
• Support Portfolio Managers and special projects
• Takes appropriate remedial actions to resolve deficiencies and escalates questions or disputes at appropriate level when necessary
• May assist with training of new employees
• May work on special projects as assigned by management

• Bachelor's degree in Business (e.g., Business Administration, Finance, or Accounting)
• 2+ years of Commercial Banking credit analysis experience
• Sound financial and risk analysis understanding, including the 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 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,…