Commercial Credit Analyst

Commercial Credit Analyst 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. The Credit Analyst drafts credit approval documents and review memos for loans and other ancillary products, documents, and prepares for credit reviews. The Credit Analyst is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling. The Credit Analyst is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight on increasingly complex credits. The Credit Analyst will attend and support Portfolio Reviews as needed. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. Essential Duties And Responsibilities Responsible for proactively monitoring Credit Excellence and initiating 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/rationale and terms and conditions. Complete ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and run risk rating models. 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. Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team to identify and resolve required edits or corrections. Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationship managers and others as needed. Prepare Criticized Period Reviews reports with oversight. Responsible for running projection models with assumptions provided. Responsible for completing underwriting process with limited oversight. Prepares 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 escalates questions to the appropriate level. Identify emerging risks or negative trends and escalates appropriately. Maintain a working knowledge of Bancorp credit policies, guidelines and procedures. Perform Borrowing Entity PD Ratings and Obligation LGD Ratings. May assist with training and onboarding of new employees. May 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 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. Compensation and Benefits Total Base Pay Range: 54,400.00 - 111,500.00 USD Annual. 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. Location San Jose, California 95113. 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