Credit Analyst II - TMT

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. General Function The Credit Analyst II partners with Portfolio Managers to support the daily duties of underwriting and monitoring credit, performs analytical activities, and identifies risks or issues as needed. The analyst drafts documents and prepares for credit reviews with limited support from Portfolio Managers, demonstrates proficiency in financial and risk analysis, and is knowledgeable in financial modeling. The role requires building underwriting proficiency, completing the underwriting process from start to finish with limited oversight, and attending as a support for Portfolio Reviews. The analyst is responsible for risk by openly exchanging ideas and opinions, elevating concerns, following policies and procedures, and ensuring actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, the analyst consistently identifies, assesses, manages, monitors, and reports risks of all types. 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. Complete indicative credit information into Banking Systems with minimal errors. Prepare risk‑rating scorecard and tickler event analysis, determining actions based on results in collaboration with Portfolio Managers. Develop risk models and advise Portfolio Managers of unforeseen obstacles that may impact client expectations. Identify and determine monitoring analysis activities required. Verify covenants and define updates needed on ticklers. Monitor covenant completion, track past‑due or non‑compliant covenants, and recommend appropriate action. Assess covenant compliance reporting, identifying 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. Evaluate completed spreads to determine necessary edits while collaborating 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 the underwriting process with limited oversight. Create and complete a CAM with minimal errors. Rewrite renewals for deals of limited complexity. Conduct portfolio analysis and develop presentations for Portfolio Reviews in preparation for client meetings. Support Portfolio Managers and special projects. Take remedial actions to resolve deficiencies and, when necessary, escalates questions or disputes to the appropriate level. Assist with training of new employees. Work on special projects as assigned by management. Minimum Knowledge, Skills, and Abilities Required Bachelor’s degree in Business (e.g., Business Administration, Finance, or Accounting). Experience in accounting and proficiency in Excel. 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. Expertise in effective problem solving and analytical skills with the ability to handle and prioritize multiple tasks. Proficient in all Microsoft Office software. Working Conditions Normal office environment with minimal exposure to dust, noise, temperature variations, and the like. Minimal travel required. Credit Analyst II – TMT Location: Chicago, Illinois 60606. Total Base Pay Range: 53,400.00 - 109,500.00 USD Annual. Benefits At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities, and each other. 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. You can learn more about those programs on our 53.com Careers page at: 53.com/Careers/benefits.html. Equal Employment Opportunity 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