Credit Analyst II – Underwriting & Risk Insight

Fifth Third Bank; United States; On-site; USD 70,000 - 90,000; Full time

Job summary

Fifth Third Bank in Frisco, Texas is seeking a Credit Analyst II to lead underwriting and credit monitoring for commercial loans and ancillary products. You will craft succinct credit memos, perform financial analysis, and support portfolio reviews.

The role requires at least 2 years of banking experience, strong Excel skills, and exposure to credit risk management. This on-site position offers a comprehensive benefits program and opportunity for career growth within the bank.

Qualifications

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

Responsibilities

• 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, relationship managers and others as needed.
• Prepare Criticalized 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, guidelines and procedures.
• Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.

Skills

Financial analysis

Credit underwriting

Microsoft Office

Communication skills

Risk analysis

Education

Bachelor's degree in Business

Tools

Internal banking applications

Job description

Fifth Third Bank in Frisco, Texas is seeking a Credit Analyst II to lead underwriting and credit monitoring for commercial loans and ancillary products. You will craft succinct credit memos, perform financial analysis, and support portfolio reviews.

The role requires at least 2 years of banking experience, strong Excel skills, and exposure to credit risk management. This on-site position offers a comprehensive benefits program and opportunity for career growth within the bank.