Senior Credit Analyst

Fifth Third Bank

. Support complex underwriting, structuring, and ongoing monitoring of commercial credit relationships .

Posted 10/13/2026full-timeDallas • Texas • United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial analysis, credit risk assessment, and the development of financial models and projections, while effectively managing commercial credit relationships and ensuring compliance with banking regulations.

Highest-signal resume keywords

Financial AnalysisCredit Risk AssessmentCommercial Banking ProductsFinancial ModelingU.S. Banking Regulations

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisUnderwritingPortfolio MonitoringCovenant ComplianceSensitivity AnalysisFinancial Statement ReviewProjection ModelsData IntegrityRisk Rating Model ExecutionCredit Approval Memoranda

Soft Skills

Analytical JudgmentProblem-SolvingAttention to DetailWritten CommunicationVerbal Communication

Tools & Technologies

Microsoft ExcelMicrosoft PowerPointInternal Banking Systems

Industry Keywords

Commercial BankingCredit StructuresCorporate Legal StructuresFinancial TrendsRisk Management

About the role

Key responsibilities & impact

Support complex underwriting, structuring, and ongoing monitoring of commercial credit relationships
Analyze borrower and guarantor financial statements, including cash flow sustainability, leverage, liquidity, and profitability trends
Prepare credit approval memoranda, including company and industry analysis, credit risks and mitigants, historical financial analysis, and base/downside projection models
Develop, review, and validate historical financial charts, projection models, and sensitivity analyses
Manage portfolio monitoring activities, including covenant compliance, financial statement reviews, and risk rating model execution and validation
Review and challenge financial spreads and resolve required edits or inconsistencies
Prepare Criticized Period Reviews
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
Resolve data, documentation, or analysis deficiencies and escalate issues with clear recommendations
Identify emerging risks, adverse trends, or policy exceptions and escalate concerns
Serve as a technical and analytical resource for junior analysts, assisting with training, onboarding, and informal coaching
Contribute to special projects, portfolio initiatives, and process improvement efforts

Requirements

What you’ll need

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 development and review of financial models and projections
Advanced working knowledge of commercial banking products, services, and credit structures
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
Analytical judgment and problem-solving capability
Ability to manage multiple priorities independently with strong attention to detail
Advanced proficiency in Microsoft Office applications, particularly Excel and PowerPoint

Benefits

Comp & perks

Incentive compensation plan eligibility, with payment based on company, line of business, and/or individual performance
Comprehensive benefits supporting physical, financial, emotional, and social well-being
Benefits programs for employees and their families