Credit Analyst II

Credit Analyst II Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. Location – Nashville, Tennessee 37219 General Function The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. A successful Credit Analyst II can draft documents and prepare for credit reviews with limited support from the Portfolio Managers. This role is knowledgeable in financial and risk analysis and demonstrates proficiency in financial modeling. The Credit Analyst II is expected to build proficiency in underwriting, completing the underwriting process from beginning to end with limited oversight. Additionally, the Credit Analyst II will attend and support portfolio reviews as needed. The role is responsible for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures. Essential Duties and Responsibilities Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed. Use critical thinking to identify and draft documentation. Responsible for regularly completing indicative credit information into Banking Systems with little to no errors. Prepare risk‑rating scorecard and tickler event analysis and determine actions based on results, working in collaboration with PMs. Develop risk models and advise PMs of unforeseen obstacles that may impede meeting client expectations. Identify and determine monitoring analysis activities required. Verify covenants and define updates needed on ticklers. Monitor covenant completion and track past‑due or out‑of‑compliance covenants and recommend appropriate course of action. Assess covenant compliance reporting and identify issues. Review covenant compliance certificates to understand performance and determine actions. Update financial covenants and calculations as needed. Run Probability of Default (PD) model with oversight. Understand and evaluate completed spreads to determine necessary edits, working in collaboration with the CCU team. Identify and recommend preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight. Prepare ALSR reports with oversight. Run risk and projection models with oversight assumptions provided. Complete underwriting process with limited oversight. Create and complete a CAM with little to no errors. Review and re‑write renewals for deals of limited complexity. Perform portfolio analysis and develop materials for Portfolio Reviews in preparation for client meetings. Support Portfolio Managers and special projects. Take appropriate remedial actions to resolve deficiencies and escalates questions/disputes to appropriate level when necessary. May assist with training of new employees. May work on special projects as assigned by management. Supervisory responsibilities: None. Minimum Knowledge, Skills and Abilities Required Bachelor's degree in Business (e.g., Business Administration, Finance, or Accounting). 2+ years of Commercial Banking experience. Sound financial and risk analysis understanding, including the ability to develop financial models. Extensive knowledge of banking products and services. Knowledge of corporate business structure and legal documents. General knowledge of U.S. government and regulation. Knowledge of the local or regional market preferred, but not required. Proficiency in internal banking applications. Strong verbal and written communication skills. Demonstrated expertise in effective problem solving and analytical skills with ability to handle and prioritize multiple tasks. Proficient in all Microsoft Office software. Working Conditions Normal office environment with little exposure to dust, noise, temperature and the like. Minimal travel required. Benefits Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day. The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance. Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. To learn more about those programs go to Equal Employment Opportunity Statement Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. #J-18808-Ljbffr Fifth Third Bank