Commercial Credit Analyst

Fifth Third Bank • Cincinnati, OH

2d • $54,400 - $111,500

About The Position

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

The role also requires accountability for risk management and compliance with bank policies and procedures. The analyst is expected to identify, assess, manage, monitor, and report risks while supporting positive customer and colleague experiences.

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 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, track past-due or out-of-compliance covenants, and recommend appropriate actions.
• Review completed spreads and collaborate with the CCU team to identify and resolve required 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 the underwriting process with limited oversight.
• Prepare portfolio analyses and Portfolio Review materials.
• Ensure 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 them appropriately.
• Maintain working knowledge of Bancorp credit policies, guidelines, and procedures.
• Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.
• Attend and support Portfolio Reviews as needed.
• 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