Credit Analyst II - Financial Institutions

The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting daily underwriting and monitoring duties, and performing analysis to identify risks or issues as needed. The role involves drafting documents, preparing credit reviews with limited support, and developing financial models and risk analysis skills. General Function The Credit Analyst II will build proficiency in underwriting, completing the process from start to finish with limited oversight, and attend and support Portfolio Reviews as required. Responsibilities include risk identification, policy compliance, and maintaining a positive customer experience within the bank’s risk appetite. 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 Regularly complete indicative credit information in banking systems with little to no errors Prepare risk‑rating scorecard and tickler event analysis, determining actions in collaboration with PMs Develop risk models and advise PMs of unforeseen obstacles that may impede client expectations Identify and determine monitoring analysis activities required Verify covenants and define updates needed on ticklers Monitor covenant completion, track past‑due or out‑of‑compliance covenants, and recommend appropriate action Assess covenant compliance reporting and identify issues Review covenant compliance certificates, determine performance actions Update financial covenants and calculations as needed Run Probability of Default (PD) model with oversight Understand and evaluate completed spreads, determine necessary edits 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 provided oversight assumptions Complete underwriting process with limited oversight Create and complete a CAM with little to no errors Rewrite renewals for deals of limited complexity Conduct portfolio analysis and develop material for Portfolio Reviews in preparation for client meetings Support Portfolio Managers and special projects Take remedial actions to resolve deficiencies and escalate questions or disputes appropriately Assist with training of new employees, as needed Participate in special projects assigned by management Minimum Knowledge, Skills And Abilities Required Bachelor’s degree in Business (e.g., Business Administration, Finance, or Accounting) At least 2 years of Commercial Banking experience Sound financial and risk analysis understanding, including model development 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 Advanced problem‑solving and analytical skills with the ability to prioritize multiple tasks Proficiency in all Microsoft Office software Compensation and Benefits Credit Analyst II – Financial Institutions Base Salary Range: $53,400.00 – $109,500.00 USD per year Eligible for an incentive compensation plan based on company, line of business, and individual performance. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to support physical, financial, emotional, and social well‑being. Full benefits details are available on our careers page: Location: Chicago, Illinois 60606 Fifth Third Bank, National Association promotes an inclusive culture and ensures equal employment opportunity for all candidates 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