Senior Credit Analyst
About The Position
The Senior Credit Analyst supports end-to-end underwriting and portfolio monitoring activities in 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, preparing approval and review materials, and supporting credit committees and portfolio reviews with limited oversight. The analyst manages risk by exchanging ideas and viewpoints, raising concerns with clear analysis and recommendations, and following established policies and procedures. The role is expected to act with integrity, support a positive customer and colleague experience, and operate within the Bank’s risk appetite through consistent identification, assessment, monitoring, and escalation of credit risks. The position has no supervisory responsibility and also serves as a technical resource for junior analysts. The position is located in San Jose, California. The stated annual base pay range is $71,100 to $145,900. The role is eligible to participate in an incentive compensation plan; payment depends on company, line-of-business, and/or individual performance. Fifth Third describes its benefits programs as supporting employees’ physical, financial, emotional, and social well-being, but does not specify individual benefits in this posting.
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, demonstrable 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 convey complex analysis clearly.
- Analytical judgment, problem-solving capability, ability to manage multiple priorities independently, and 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.
- Prepare concise, well-supported credit approval memoranda, including company and industry analysis, key 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 analysis 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.
- Serve as a technical and analytical resource for junior analysts, assisting with training, onboarding, and informal coaching.
- Contribute to special projects, portfolio initiatives, or process improvement efforts as assigned by management.
Benefits
- Comprehensive benefits programs designed to support employees’ 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.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
