CRE Credit Analyst: Underwrite, Analyze & Elevate Deals

Fifth Third Bank; Charlotte (NC); On-site; USD 54,400 - 111,500; Full time

Benefits offered by this job

Incentive compensation

Comprehensive benefits

Job summary

Fifth Third Bank in Charlotte, NC is seeking a Commercial Real Estate Credit Analyst to underwrite and monitor credit, build financial models, and prepare credit memos. You will analyze risks, track covenants, and support portfolio reviews while ensuring data accuracy across systems.

The role emphasizes developing underwriting proficiency and contributing to risk management, with opportunities to participate in an incentive plan and comprehensive benefits.

Qualifications

• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting).
• 2+ years of Commercial Banking credit analysis that includes CRE experience.
• Strong financial modeling and risk analysis capability.
• 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

• 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 elevate 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

Credit analysis

Financial modeling

Risk analysis

Internal banking applications

Verbal and written communication

Problem solving

Attention to detail

Education

Bachelor's degree in Business

Job description

Fifth Third Bank in Charlotte, NC is seeking a Commercial Real Estate Credit Analyst to underwrite and monitor credit, build financial models, and prepare credit memos. You will analyze risks, track covenants, and support portfolio reviews while ensuring data accuracy across systems.

The role emphasizes developing underwriting proficiency and contributing to risk management, with opportunities to participate in an incentive plan and comprehensive benefits.