Credit Analyst II - Aerospace, Defense Transportation; ADT

General Function:
The Credit Analyst is primarily responsible for completing the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. The Credit Analyst drafts credit approval documents and review memos for loans and other ancillary products, documents and prepares for credit reviews. The Credit Analyst is knowledgeable in financial and risk analysis and demonstrates proficiency in financial modeling.

• Responsible for proactively monitoring Credit Excellence and initiating collection of financial statements for upcoming renewals and periodic reviews.
• Prepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions.
• Complete ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and run risk rating models.
• 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.
• Responsible for understanding and evaluating completed spreads to determine necessary edits and collaborate with the CCU team to resolve required improvements.
• Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationship managers and others.
• Prepare Criticized Period Reviews reports with oversight.
• Responsible for running projection models with assumptions provided.
• Responsible for completing underwriting process with limited oversight.
• Prepares portfolio analysis and Portfolio Review materials.
• Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports.
• Take appropriate action to resolve data, documentation, or analysis deficiencies and to elevate queries to the appropriate level.
• Identify emerging risks or negative trends and raise concerns appropriately.
• Maintain knowledge of Bancorp credit policies, guidelines and procedures.
• Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.
• May assist with training and onboarding of new employees.
• May support special projects or ad‑hoc analysis as assigned by management.

• Bachelor's degree in Business (e.g., Business Administration, Finance, or Accounting).
• 2+ years of Commercial Banking credit analysis experience.
• Strong understanding of financial and risk analysis, 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.
• Proficiency in internal banking applications.
• Strong verbal and written communication skills.
• Demonstrated strong problem‑solving and analytical skills, with the ability to manage and prioritize multiple tasks while maintaining attention to detail.
• Proficient in all Microsoft Office software.

Credit Analyst II – Aerospace, Defense, & Transportation (ADT)

Total Base Pay Range 54,400.00 –  USD Annual

LOCATION:

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.