Commercial Credit Analyst - Aerospace, Defense & Transportation (ADT)

Fifth Third Bank • Charlotte, NC

10d • Onsite

About The Position

The Commercial Credit Analyst is responsible for underwriting and monitoring credit, performing financial and risk analysis, identifying risks or issues, and drafting credit approval documents and review memos for loans and ancillary products. The analyst develops proficiency in completing underwriting from beginning to end with limited oversight on increasingly complex credits and supports Portfolio Reviews as needed.

The role is accountable for managing risk in accordance with bank policies and procedures, while contributing to positive customer and colleague experiences. It includes ongoing portfolio monitoring, credit data and documentation oversight, reporting, and escalation of emerging risks or deficiencies. The position is based in Charlotte, North Carolina.

Requirements

• Bachelor's degree in Business, such as Business Administration, Finance, or Accounting.
• At least 2 years of commercial banking credit analysis experience.
• Sound understanding of financial and risk analysis, including the ability to develop financial models.
• Extensive knowledge of banking products and services.
• Knowledge of corporate business structures and legal documents.
• General knowledge of the U.S. government and regulation.
• Proficiency in internal banking applications.
• Strong verbal and written communication skills.
• Strong problem-solving and analytical skills, with the ability to manage and prioritize multiple tasks while maintaining close attention to detail.
• Proficiency in Microsoft Office software.

Responsibilities

• Proactively monitor Credit Excellence and initiate collection of financial statements for upcoming renewals and periodic reviews.
• Prepare concise, accurate credit approval memos covering company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions and rationale, and terms and conditions.
• Conduct ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and risk rating model runs.
• Identify required monitoring analysis activities.
• Verify covenants and determine needed updates to ticklers.
• Monitor covenant completion, track past-due or out-of-compliance covenants, and recommend appropriate action.
• Review completed spreads, determine necessary edits, and collaborate with the CCU team to identify and resolve edits or corrections.
• Generate pipeline and portfolio reports for credit leadership, portfolio managers, underwriters, relationship managers, and others as needed.
• Prepare Criticized Period Review reports with oversight.
• Run projection models using provided assumptions.
• Complete underwriting with limited oversight.
• Prepare portfolio analysis and Portfolio Review materials.
• Ensure the accuracy, integrity, and timeliness of credit data across internal systems and reports.
• Resolve data, documentation, or analysis deficiencies and escalate questions to the appropriate level.
• Identify emerging risks or negative trends and escalate appropriately.
• Maintain working knowledge of Bancorp credit policies, guidelines, and procedures.
• Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.
• Assist with training and onboarding of new employees as needed.
• Support special projects or ad hoc analysis as assigned by management.
• Attend and support Portfolio Reviews as needed.

Benefits

• Comprehensive benefits designed to support employees' and families' physical, financial, emotional, and social well-being.
• Eligible to participate in an incentive compensation plan, with payments based on company, line of business, and/or individual performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level