Commercial Credit Analyst - Energy

Fifth Third Bank • Houston, TX

4d • Onsite

About The Position

The Commercial Credit Analyst partners with Portfolio Managers to underwrite and monitor credit, perform analytical activities, and identify risks or issues. The role drafts credit approval documents and loan and ancillary-product review memos, and prepares for credit reviews with limited Portfolio Manager support. The analyst applies financial and risk analysis skills, demonstrates proficiency in financial modeling, and builds toward completing increasingly complex underwriting processes from beginning to end with limited oversight. The role also supports Portfolio Reviews as needed and is accountable for managing risk in accordance with bank policies and procedures while helping deliver a positive customer experience.

This position is based in Houston, Texas. It has no supervisory responsibilities.

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 U.S. government and regulation.
• Proficiency in internal banking applications.
• Strong verbal and written communication skills.
• Strong problem-solving and analytical skills, including the ability to manage and prioritize multiple tasks while maintaining close attention to detail.
• Proficiency in Microsoft Office software.

Responsibilities

• Partner with Portfolio Managers on credit and underwriting and perform analytical tasks as needed.
• Proactively monitor Credit Excellence and initiate collection of financial statements for upcoming renewals and periodic reviews.
• Prepare succinct, accurate credit approval memos, including 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 define needed tickler updates; monitor covenant completion and track past-due or out-of-compliance covenants; recommend appropriate actions.
• Evaluate completed spreads, collaborate with the CCU team to identify required edits or corrections, and help resolve them.
• Generate pipeline and portfolio reports for credit leadership, Portfolio Managers, underwriters, relationship managers, and others as needed.
• Run projection models using provided assumptions and complete underwriting with limited oversight.
• Prepare portfolio analyses and Portfolio Review materials.
• Ensure accuracy, integrity, and timeliness of credit data in internal systems and reports; resolve deficiencies in data, documentation, or analysis and escalate questions appropriately.
• Identify emerging risks or negative trends and escalate them appropriately.
• Maintain working knowledge of Bancorp credit policies, guidelines, and procedures.
• Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.
• May assist with training and onboarding new employees and support special projects or ad hoc analysis as assigned by management.

Benefits

• Comprehensive benefits programs supporting 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