Senior Credit Analyst

Fifth Third Bank • San Jose, CA

8d

About The Position

The Senior Credit Analyst supports end-to-end underwriting and portfolio monitoring through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The role independently executes most aspects of underwriting, including in-depth financial and risk analysis, preparation of approval and review materials, and support for credit committees and portfolio reviews, with limited oversight.

The position manages risk by identifying, assessing, monitoring, and escalating credit risks; openly exchanging ideas and viewpoints; and following established policies and procedures. It operates within the Bank’s risk appetite and supports positive customer and colleague experiences. The Senior Credit Analyst also serves as a technical and analytical resource for junior analysts and contributes to portfolio and process improvement initiatives.

Requirements

• Bachelor’s degree in Business, Finance, Accounting, or a related field.
• At least 3 years of experience in Commercial Banking, credit analysis, underwriting, or a related role.
• Strong understanding of financial analysis and credit risk assessment, including development and review of financial models and projections.
• Advanced working knowledge of commercial banking products, services, and credit structures.
• Solid understanding of corporate legal structures and common credit-related legal documents.
• General knowledge of U.S. banking regulations and supervisory expectations.
• Proficiency in internal banking systems and applications.
• Strong written and verbal communication skills, including the ability to clearly convey complex analysis.
• Demonstrated analytical judgment and problem-solving capability.
• Ability to manage multiple priorities independently with strong attention to detail.
• Advanced proficiency in Microsoft Office applications, particularly Excel and PowerPoint.

Responsibilities

• Partner with Portfolio Managers and/or Underwriters on complex underwriting, structuring, and ongoing monitoring of commercial credit relationships.
• Independently analyze borrower and guarantor financial statements, including cash flow sustainability, leverage, liquidity, and profitability trends.
• Lead preparation of concise, well-supported credit approval memoranda, including company and industry analysis, credit risks and mitigants, historical financial analysis, and base and downside projection models.
• Develop, review, and validate historical financial charts, projection models, and sensitivity analyses.
• Manage portfolio monitoring activities, including covenant compliance, financial statement reviews, and execution and validation of risk rating models.
• Review and challenge completed financial spreads and resolve required edits or inconsistencies.
• Prepare Criticized Period Reviews with limited oversight.
• Prepare portfolio analyses and Portfolio Review materials for management and risk committees.
• Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports.
• Resolve data, documentation, or analysis deficiencies and escalate issues with clear recommendations when appropriate.
• Identify emerging risks, adverse trends, or policy exceptions and escalate concerns in a timely manner.
• Assist junior analysts with training, onboarding, and informal coaching as a technical and analytical resource.
• Contribute to special projects, portfolio initiatives, or process improvement efforts 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: Senior