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GENERAL FUNCTION:
The Senior Credit Analyst supportsend-to-endunderwriting and portfolio monitoring activities through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The roleis responsible forindependently executing most aspects of the underwriting process, includingin-depthfinancial and risk analysis, drafting approval and review materials, and supporting credit committees and portfolio reviews with limited oversight.
The Senior Credit Analyst is accountable for managing risk by openly exchanging ideas and viewpoints, elevating concerns with clear analysis and recommendations, and adhering toestablishedpolicies and procedures. The role acts with integrity, supports a positive customer and colleague experience, andoperateswithin the Bank’s risk appetite. Success is achieved through consistent identification, assessment, monitoring, and escalation of credit risks.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Partner with Portfolio Managers and/or Underwriters to support complex underwriting, structuring, and ongoing monitoring of commercial credit relationships
Independently analyze borrower and guarantor financial statements, including cash flow sustainability, leverage, liquidity, and profitability trends
Lead the preparation of concise,well supportedcredit approval memoranda with minimal errors, includingcompany and industry analysis, identification and assessment of key credit risks and mitigants, historical financial analysis and prepare base and downside projectionmodels
Develop, review, andvalidatehistorical financial charts, projection models, and sensitivity analyses
Manage ongoing portfolio monitoring activities, including covenant compliance, financial statement reviews, and execution and validation of risk rating models
Review and challenge completed financial spreads andworksto resolve required edits or inconsistencies
Prepare Criticized Period Reviews with limited oversight
Prepare portfolio analysis and Portfolio Review materials for management and risk committees
Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports
Take ownership of resolving data, documentation, or analysis deficiencies and escalate issues with clear recommendations when appropriate
Proactivelyidentifyemerging risks, adverse trends, or policy exceptions and escalate concernsin a timely manner
Serve as a technical and analytical resource for junior analysts,assistingwith training, onboarding, and informal coaching
Contribute to special projects, portfolio initiatives, or process improvement efforts as assigned by management
SUPERVISORY RESPONSIBILITY:
None
MINIMUM KNOWLEDGE,SKILLSAND ABILITIES REQUIRED:
Bachelor’s degree in Business, Finance, Accounting, or a related field
3+ years of experience in Commercial Banking, credit analysis, underwriting, or a related role
Strong, demonstrable understanding of financial analysis and credit risk assessment, including development and review of financial models and projections
Advanced working knowledge of commercial banking products, services, and credit structures
Solid understanding of corporate legal structures and commoncredit relatedlegal documents
General knowledge of U.S. banking regulations and supervisory expectations
Proficiencyin internal banking systems and applications
Strong written and verbal communication skills with the ability to clearly convey complex analysis
Demonstrated analytical judgment,problem-solvingcapability, andtheability to manage multiple priorities independentlywithstrongattention to detail
Advancedproficiencyin Microsoft Office applications, particularly Excel and PowerPoint
Senior Credit Analyst
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: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.
LOCATION -- Detroit, Michigan 48226
Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.
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.
At Fifth Third Bank, everything we do is rooted in our purpose: to improve the lives of our customers and the well-being of our communities. Since our founding in 1858, we’ve been committed to creating a better financial experience by empowering our customers and clients to achieve what matters most.
Our unified strength is grounded in the individual passion and diversity of more than 20,000 employees who work collaboratively to deliver a better tomorrow to everyone we serve. We offer a strong culture, opportunities for growth 401k match, wellness options, comprehensive insurance plans and additional resources you need to build a lasting and rewarding career path here.
Headquartered in Cincinnati, Ohio, we are among the largest money managers in the Midwest.
We operate four main businesses—Commercial Banking, Branch Banking, Consumer Lending, and Wealth & Asset Management—and a network of financial centers in Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, Georgia, North Carolina and South Carolina. Consumers also have access to approximately 54,000 Fifth Third fee-free ATMs across the United States.
Fifth Third Bancorp is a diversified financial services company and is the indirect parent company of Fifth Third Bank, National Association, a federally chartered institution.
Explore Fifth Third career opportunities at: https://www.53.com/content/fifth-third/en/careers.html
Fifth Third Bank, N.A., Member FDIC. Fifth Third Bank is proud to be an affirmative action/equal opportunity employer. M/F/D/V
