Credit Analyst - Financial Institutions

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 is primarily responsible for completing the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a Credit Analyst drafts credit approval documents and review memos for loans and other ancillary products, and prepares them for credit reviews. The role requires knowledge of financial and risk analysis, proficiency in financial modeling, and the ability to complete the underwriting process from beginning to end with limited oversight on increasingly complex credits. The Credit Analyst will also attend and support Portfolio Reviews as needed, ensuring compliance with risk policies and procedures. Essential Duties And Responsibilities Proactively monitor Credit Excellence and initiate collection of financial statements for upcoming renewals and periodic reviews. Prepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions and rationale, and terms and conditions. Complete ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and run risk rating models. Identify and determine required monitoring analysis activities. Verify covenants and define necessary updates on ticklers. Monitor covenant completion and track past‑due or out‑of‑compliance covenants, recommending appropriate actions. Understand and evaluate completed spreads to determine necessary edits, working with the CCU team to resolve requirements. Generate and provide pipeline and portfolio reporting to credit leadership, portfolio managers, underwriters, relationship managers, and others. Prepare Criticized Period Reviews reports with oversight. Run projection models with provided assumptions. Complete the underwriting process with limited oversight. Prepare portfolio analysis and Portfolio Review materials. Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports. Take appropriate action to resolve data, documentation, or analysis deficiencies and escalations as needed. Identify emerging risks or negative trends and escalations appropriately. Maintain a working knowledge of Bancorp credit policies, guidelines and procedures. Perform borrowing entity PD ratings and obligation LGD ratings. Assist with training and onboarding of new employees. Support special projects or ad hoc analysis as assigned by management. Minimum Knowledge, Skills And Abilities Required Bachelor's degree in Business (e.g., Business Administration, Finance, or Accounting). 2+ years of Commercial Banking credit analysis 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. Proficiency in internal banking applications. Strong verbal and written communication skills. Demonstrated strong problem‑solving and analytical skills, with the ability to manage and prioritize multiple tasks while maintaining close attention to detail. Proficient in all Microsoft Office software. Credit Analyst – Financial Institutions – Total Base Pay Range $54,400.00 – $111,500.00 USD Annual Location – Frisco, Texas 75034 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. 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