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Commercial Credit Analyst – Financial Institutions
Fifth Third Bank. Complete daily underwriting and credit monitoring duties .
About the role
Key responsibilities & impact- Complete daily underwriting and credit monitoring duties
- Perform analytical activities and identify risks or issues
- Draft credit approval documents and review memos for loans and ancillary products
- Build proficiency in underwriting and complete increasingly complex credits with limited oversight
- Attend and support Portfolio Reviews as needed
- Monitor Credit Excellence and initiate collection of financial statements for renewals and periodic reviews
- Prepare credit approval memos including company and industry descriptions, credit risks, historical analysis, projections and terms and conditions
- Monitor portfolios, track covenants, review financial statements and run risk rating models
- Verify covenants, update ticklers, track past-due or non-compliant covenants and recommend action
- Review completed spreads and collaborate with the CCU team to resolve edits or corrections
- Generate pipeline and portfolio reporting for credit leadership and banking stakeholders
- Prepare Criticized Period Reviews reports with oversight
- Run projection models with provided assumptions
- Complete the underwriting process with limited oversight
- Prepare portfolio analysis and Portfolio Review materials
- Ensure accuracy, integrity and timeliness of credit data and reports
- Resolve data, documentation or analysis deficiencies and escalate questions
- Identify emerging risks or negative trends and escalate appropriately
- Maintain knowledge of Bancorp credit policies, guidelines and procedures
- Perform Borrowing Entity PD Ratings and Obligation LGD Ratings
- Assist with training and onboarding new employees
- Support special projects or ad hoc analysis as assigned
Requirements
What you’ll need- 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
- Proficiency in internal banking applications
- Strong verbal and written communication skills
- Strong problem-solving and analytical skills
- Ability to manage and prioritize multiple tasks while maintaining close attention to detail
- Proficient in all Microsoft Office software
Benefits
Comp & perks- Incentive compensation plan based on company, line of business and/or individual performance
- Comprehensive benefits programs supporting physical, financial, emotional and social well-being
- Benefits for employees and their families