Senior Credit Analyst

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GENERAL FUNCTION:  

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   is responsible for   independently executing 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 Senior Credit Analyst is accountable for managing risk by openly exchanging ideas and viewpoints, elevating concerns with clear analysis and recommendations, and adhering to   established   policies and procedures. The role acts with integrity, supports a positive customer and colleague experience, and   operates   within the Bank's risk appetite. Success is achieved through consistent identification, assessment, monitoring, and escalation of credit risks.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

+ 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 with minimal errors, including   c ompany and industry analysis , identification and assessment of key credit risks and mitigants, historical financial analysis and prepare base and downside projection   models .

+ Develop, review, and   validate   historical financial charts, projection models, and sensitivity analyses .

+ Manage ongoing portfolio monitoring activities, including covenant compliance, financial statement reviews, and execution and validation of risk rating models

+ Review and challenge completed financial spreads and   works   to resolve required edits or inconsistencies

+ 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, documentation, or analysis deficiencies and escalate issues with clear recommendations when appropriate

+ Proactively   identify   emerging risks, adverse trends, or policy exceptions and escalate concerns   in a timely manner

+ Serve as a technical and analytical resource for junior analysts,   assisting   with training, onboarding, and informal coaching

+ Contribute to special projects, portfolio initiatives, or process improvement efforts as assigned by management   

SUPERVISORY RESPONSIBILITY:  

None   

MINIMUM KNOWLEDGE,   SKILLS   AND ABILITIES

REQUIRED:

+ 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, demonstrable understanding of financial analysis and credit risk assessment, including development and review of financial models and projections

+ Advanced working 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 with the ability to clearly convey complex analysis

+ Demonstrated analytical judgment,   problem-solving   capability, and   the   ability to manage multiple priorities independently   with   strong   attention to detail

+ Advanced   proficiency   in Microsoft Office applications, particularly Excel and Power Point    

Senior Credit Analyst

Total Base Pay Range 0.00 - 0.00

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. 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,…