Credit Risk Officer II

Credit Risk Officer II

Location:

Cincinnati, Ohio 45202

Compensation:
Total Base Pay Range $ – $ USD Annual. Eligible for incentive compensation based on performance.

Executive credit risk management, including independent judgment, constructive challenge of credit risk recommendations, loan portfolio monitoring, and credit exposure approval. Coordinates with Line of Business (LOB) teams to ensure credit standards are met and updates policies as necessary. Provides analysis on credit quality, attends LOB meetings, and participates in customer calls.

• Approve or reject complex loans within delegated authority and approved risk limits.
• Ensure policies reflect the Bank’s credit risk appetite and are reviewed in a timely manner.
• Advise credit and loan personnel on policy trends and recommend changes.
• Conduct forward‑looking reviews for ongoing credit exposure maintenance.
• Challenge credit approval packages and develop action plans for limit breaches.
• Provide effective, credible challenge on client selection, risk identification, and adherence to underwriting standards.
• Participate in LOB deal screens to provide early feedback.
• Review Bancorp credit quality reports and assess LOB adherence to risk appetite.
• Attend meetings including loan, portfolio review, and administrative meetings to provide challenge.
• Provide analysis and recommendations to Senior Credit Officer.
• Represent Bancorp in high‑level customer interactions and community affairs.
• Adjudicate requests to change regulatory classifications.
• Oversee and challenge the timeliness of transfers to the Special Assets Group.
• Portfolio review responsibilities:
  • Use internal and external data to identify portfolio trends such as concentration risks and emerging risks.
  • Determine Direction of Risk (DOR) and Level of Risk (LOR) and recommend actions to reduce or strengthen risk.

May supervise others, providing timely performance feedback, career development opportunities, and succession planning.

• Bachelor’s Degree in Finance, Business Administration, or Accounting;
  Master’s Degree preferred.
• Ten+ years of related credit experience.
• Proficiency in financial and credit analysis, portfolio management.
• Knowledge of banking industry, regulations, commercial banking, capital markets, and treasury products.
• Proficient in Excel, Word, and other spreadsheet applications.
• Ability to learn and use various computer systems.
• Excellent communication and organizational skills.
• Strong people and relationship building skills.

• Normal office environment with minimal exposure to dust, noise, and temperature variations.
• Extended periods at a desk, viewing computer screens.

Our Total Rewards include comprehensive benefits designed to support the well‑being of employees and their families. For more information on our benefits program, visit our benefits page.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and promotes 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.