Commercial Credit Analyst- Oil & Gas

Fifth Third Bank • Houston, TX

5d • Onsite

About The Position

The Commercial Credit Analyst is responsible for underwriting and monitoring credit, conducting analytical activities, and identifying risks or issues. The role drafts credit approval documents and review memos for loans and ancillary products, and supports preparation for credit reviews. It requires financial and risk analysis knowledge and proficiency in financial modeling. The analyst develops the ability to complete underwriting from beginning to end with limited oversight on increasingly complex credits and supports Portfolio Reviews as needed.

The analyst is accountable for managing risk in accordance with the Bank’s policies and risk appetite, raising concerns, and taking actions that support positive customer and colleague experiences. The role is based in Houston, Texas.

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 with 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

• Monitor Credit Excellence proactively and initiate collection of financial statements for upcoming renewals and periodic reviews.
• Prepare succinct, accurate credit approval memos that include 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 running risk-rating models.
• Identify required monitoring analysis activities.
• Verify covenants and define needed tickler updates.
• Monitor covenant completion, track past-due or out-of-compliance covenants, and recommend an appropriate course of action.
• Review completed spreads, determine necessary edits, and collaborate with the CCU team to identify and resolve edits or corrections.
• Generate and provide pipeline and portfolio reports to credit leadership, portfolio managers, underwriters, relationship managers, and others as needed.
• Prepare Criticized Period Reviews reports with oversight.
• Run projection models using provided assumptions.
• Complete the underwriting process with limited oversight.
• Prepare portfolio analyses and Portfolio Review materials.
• Ensure credit data is accurate, complete, and timely 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 them 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 new employees as needed.
• Support special projects or ad hoc analysis as assigned by management.

Benefits

• Comprehensive benefits programs supporting physical, financial, emotional, and social well-being.
• Eligibility 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