CRE Credit Analyst: Underwrite, Analyze & Grow Portfolios

Fifth Third Bank

Cincinnati (OH)

On-site

USD 54,400 - 111,500

Full time

14 days+

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Job summary

Fifth Third Bank is seeking a CRE Credit Analyst to perform underwriting, risk analysis, and monitoring of commercial real estate loans. You will draft credit approval documents, review memos, and support portfolio reviews, with emphasis on accuracy, risk awareness, and adherence to policies.

The role requires 2+ years in CRE credit analysis, strong financial modeling, and proficient use of Microsoft Office.

Qualifications

Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting).
2+ years of Commercial Banking credit analysis that includes CRE 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.

Responsibilities

Monitor Credit Excellence and initiate collection of financial statements for renewals and reviews.
Prepare succinct credit approval memos with descriptions, risks, projections, and terms.
Complete ongoing portfolio monitoring, covenant tracking, 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 covenants and actions.
Understand and evaluate spreads, collaborate with CCU to resolve edits.
Generate portfolio reports for credit leadership and managers as needed.
Prepare Criticized Period Reviews reports with oversight.
Run projection models with provided assumptions.
Complete underwriting with limited oversight.
Prepare portfolio analysis and Portfolio Review materials.
Ensure data integrity across systems and reports.
Take action to resolve data or documentation deficiencies and escalate as needed.
Identify emerging risks and elevate appropriately.
Maintain knowledge of Bancorp credit policies and procedures.
Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.
Assist training and onboarding of new employees.
Support special projects or ad hoc analysis as assigned.