Commercial Credit Analyst: Underwriting & Risk Insights

Fifth Third Bank; San Francisco (CA); On-site; USD 54,000 - 112,000; Full time

Job summary

Fifth Third Bank in San Jose, CA is seeking a Credit Analyst to perform underwriting and monitoring of credit, develop financial models, and draft credit approval documents. You will review loans and ancillary documents, assess risks, and support portfolio reviews with senior team members.

You will build proficiency across the underwriting process end-to-end, monitor covenants, run risk rating models, and prepare portfolio analysis and reports for credit leadership.

Qualifications

• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting).
• 2+ years of Commercial Banking experience.
• Strong 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.

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 teamworks to identify and resolve required edits or corrections.
• Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationshipmanagersand 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 elevate questions to the appropriate level.
• Identify emerging risks or negative trends and escalte appropriately.
• Maintain a working knowledge of Bancorp credit policies, guidelinesand 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

Skills

Financial analysis

Risk analysis

Banking products

Corporate structure knowledge

Regulations knowledge

Banking applications

Communication skills

Problem solving

MS Office

Education

Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)

Tools

Microsoft Office

Job description

Fifth Third Bank in San Jose, CA is seeking a Credit Analyst to perform underwriting and monitoring of credit, develop financial models, and draft credit approval documents. You will review loans and ancillary documents, assess risks, and support portfolio reviews with senior team members.

You will build proficiency across the underwriting process end-to-end, monitor covenants, run risk rating models, and prepare portfolio analysis and reports for credit leadership.