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About the Role
The Credit Analyst is responsible for underwriting and monitoring credit, performing analytical activities, identifying risks, and drafting credit approval documents and review memos. This role involves building proficiency in underwriting with limited oversight on increasingly complex credits and supporting portfolio reviews.
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/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.
- Evaluate completed spreads to determine necessary edits, collaborating 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.
- Prepare Criticized Period Reviews reports with oversight.
- Run projection models with assumptions provided.
- Complete 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 escalate questions to the appropriate level.
- Identify 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 employees.
- May support special projects or ad hoc analysis as assigned by management.
Requirements
- 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.
Skills
- Financial analysis
- Risk analysis
- Financial modeling
- Banking products and services
- Corporate business structure
- Legal documents
- U.S. government and regulation
- Internal banking applications
- Verbal communication
- Written communication
- Problem-solving
- Analytical skills
- Microsoft Office software
Location
- San Jose, California 95113
Work Type
- Full-time
Experience Level
- 2+ years of Commercial Banking experience
Education Level
- Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)
Salary/Compensations
- 54,400.00 - 111,500.00 USD Annual
Benefits
- Comprehensive benefits
- Differentiated compensation offerings
- Incentive compensation plan
- Programs designed to support individual needs encompassing physical, financial, emotional and social well-being.
About the Company
- Make banking a Fifth Third better®
- We connect great people to great opportunities.
- Discover a career in banking at Fifth Third Bank.
Equal 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.