Commercial Credit Analyst - Energy

Fifth Third Bank • Houston, TX

1d

About The Position

The Credit Analyst partners with Portfolio Managers to underwrite and monitor credit, perform analytical work, identify risks or issues, draft credit approval documents and review memos for loans and ancillary products, and prepare for credit reviews. The role requires financial and risk analysis skills and proficiency in financial modeling. The analyst develops the ability to complete increasingly complex underwriting processes from beginning to end with limited oversight and supports Portfolio Reviews as needed.

The position is accountable for managing risk within the Bank's risk appetite, following policies and procedures, raising concerns, and supporting positive customer and colleague experiences. It also involves maintaining accurate and timely credit information, identifying emerging risks and deficiencies, and escalating issues appropriately. The position 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 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 activities and perform analytical tasks as needed.
• 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, collaborate with the CCU team to identify necessary edits, and resolve required edits or corrections.
• Generate pipeline and portfolio reports for credit leadership, Portfolio Managers, underwriters, Relationship Managers, and others as needed.
• Run projection models using provided assumptions.
• Complete the underwriting process 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 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 supporting employees' and families' physical, financial, emotional, and social well-being.
• Eligibility 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