Senior Credit Analyst

Senior Credit Analyst Position Overview

The Senior Credit Analyst supports end‑to‑end underwriting and portfolio monitoring activities through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The role independently executes most aspects of the underwriting process, including in‑depth financial and risk analysis, drafting approval and review materials, and supporting credit committees and portfolio reviews with limited oversight. The analyst is accountable for managing risk, supporting a positive customer and colleague experience, and operating within the bank’s risk appetite.

• Partner with Portfolio Managers and/or Underwriters to support complex underwriting, structuring, and ongoing monitoring of commercial credit relationships.
• Independently analyze borrower and guarantor financial statements, including cash flow sustainability, leverage, liquidity, and profitability trends.
• Lead the preparation of concise, well‑supported credit approval memoranda, including company and industry analysis, identification of key credit risks, and historical financial analysis.
• Develop, review, and validate historical financial charts, projection models, and sensitivity analyses.
• Manage ongoing portfolio monitoring activities, including covenant compliance, financial statement reviews, and risk rating model execution.
• Review and challenge completed financial spreads, resolve inconsistencies, and prepare Criticized Period Reviews with limited oversight.
• Prepare portfolio analysis and portfolio review materials for management and risk committees.
• Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports.
• Take ownership of resolving data or documentation deficiencies and escalating concerns with recommendations.
• Identify emerging risks, adverse trends, or policy exceptions and raise issues in a timely manner.
• Serve as a technical and analytical resource for junior analysts, assisting with training, onboarding, and coaching.
• Contribute to special projects, portfolio initiatives, or process improvement efforts as assigned.

• Bachelor’s degree in Business, Finance, Accounting, or a related field.
• 3+ years of experience in commercial banking, credit analysis, underwriting, or a related role.
• Strong understanding of financial analysis and credit risk assessment, including model development and review.
• Advanced knowledge of commercial banking products, services, and credit structures.
• Solid understanding of corporate legal structures and common credit‑related legal documents.
• General knowledge of U.S. banking regulations and supervisory expectations.
• Proficiency in internal banking systems and applications.
• Strong written and verbal communication skills.
• Demonstrated analytical judgment, problem‑solving capability, and ability to manage multiple priorities independently.
• Advanced proficiency in Microsoft Office, especially Excel and PowerPoint.

Dallas, Texas 75225

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.