Commercial Credit Analyst - Renewable Energy Finance

Fifth Third Bank • Chicago, IL

1d • $54,400 - $111,500

About The Position

The Commercial Credit Analyst is responsible for underwriting and monitoring credit, performing analytical activities, and identifying risks or issues. The role drafts credit approval documents and review memos for loans and ancillary products, and prepares materials for credit reviews. The analyst applies financial and risk analysis skills and financial modeling proficiency, building toward completing the underwriting process from beginning to end with limited oversight on increasingly complex credits. The position also supports Portfolio Reviews as needed.

The analyst is accountable for managing risk in accordance with bank policies and procedures, escalating concerns, and supporting positive customer and colleague experiences while operating within the Bank’s risk appetite.

Requirements

• Bachelor’s degree in Business, such as Business Administration, Finance, or Accounting.
• At least 2 years of corporate 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, 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 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 updates to ticklers.
• Monitor covenant completion, track past-due or out-of-compliance covenants, and recommend appropriate action.
• Evaluate completed spreads and collaborate with the CCU team to identify and resolve edits or corrections.
• Generate pipeline and portfolio reporting for 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 accuracy, integrity, and timeliness of credit data across internal systems and reports.
• Resolve data, documentation, or analysis deficiencies 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.
• Assist with training and onboarding new employees as needed.
• Support special projects or ad hoc analyses 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 payment based on company, line of business, and/or individual performance.

What This Job Offers

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