Commercial Credit Analyst — Underwriting & Risk Modeling

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

Job summary

Fifth Third Bank in San Jose, California is seeking a Credit Analyst to support underwriting, risk assessment, and credit review processes. You will prepare credit memos, monitor portfolios, and help ensure compliance with banking policies while delivering accurate financial analysis.

The role requires a bachelor's degree in business or related field and 2+ years in commercial banking, with strong Excel skills and proficiency in internal banking systems.

Qualifications

• Bachelor's degree in Business or related field.
• 2+ years of Commercial Banking experience.
• Strong financial modeling/analysis abilities.
• Knowledge of banking products and corporate structures.
• Familiarity with U.S. government regulations and internal banking apps.
• Strong verbal and written communication skills.
• Proficient in Microsoft Office.

Responsibilities

• Proactively monitor Credit Excellence and collect financial statements for renewals and reviews.
• Prepare succinct credit approval memos with risks, projections, and terms.
• Perform covenant tracking and run risk rating models.
• Monitor portfolio via ongoing analysis and reporting for leadership.

Skills

Financial analysis

Credit underwriting

Analytical skills

Communication skills

Attention to detail

Education

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

Tools

Microsoft Office

Job description

Fifth Third Bank in San Jose, California is seeking a Credit Analyst to support underwriting, risk assessment, and credit review processes. You will prepare credit memos, monitor portfolios, and help ensure compliance with banking policies while delivering accurate financial analysis.

The role requires a bachelor's degree in business or related field and 2+ years in commercial banking, with strong Excel skills and proficiency in internal banking systems.