Commercial Credit Analyst

Commercial Credit AnalystMake 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. 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. Additionally, 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 requiredVerify covenants and define updates needed on ticklersMonitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of actionResponsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU teamworks to identify and resolve required edits or correctionsGenerate 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 oversightResponsible for running projection models with assumptions providedResponsible for completing underwriting process with limited oversightPrepares portfolio analysis and Portfolio Review materialsEnsure accuracy, integrity, and timeliness of credit data across internal systems and reportsTake appropriate action to resolve data, documentation, or analysis deficiencies and escalate questions to the appropriate levelIdentify emerging risks or negative trends and escalate 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 employeesMay support special projects or ad hoc analysis as assigned by managementSUPERVISORY RESPONSIBILITY:NoneMINIMUM 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 modelsExtensive Knowledge of banking products and servicesKnowledge of corporate business structure and legal documentsGeneral knowledge of U.S. government and regulationProficiency in internal banking applicationsStrong verbal and written communication skillsDemonstrated 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 softwareLOCATION -- Houston, Texas 77056Fifth 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.