Credit Lead

Fifth Third; Georgia; On-site; USD 140,000 - 190,000; Full time

Benefits offered by this job

Comprehensive benefits

Incentive compensation plan

Job summary

Fifth Third Bank in Atlanta, Georgia seeks a Credit Lead to drive development of Credit Solutions professionals and lead portfolio risk oversight. You will ensure underwriting quality, risk rating accuracy, and timely remediation across teams.

You will coach teams, monitor asset quality, and collaborate with Banking partners and senior leadership to elevate risk management and customer outcomes.

Qualifications

• Bachelor’s degree in Business, Finance, Accounting, or related field required; advanced degree preferred.
• Minimum 8 years of experience in commercial credit, portfolio management, underwriting, or credit risk leadership.
• Strong knowledge of lending policies, risk governance, and regulatory requirements.

Responsibilities

• Establish workflow priorities and resource alignment for deal and portfolio activities.
• Maintain independent assessment of borrower and portfolio creditworthiness and identify emerging risks.
• Drive credit excellence metrics and ensure policy adherence across teams.
• Engage with clients and Banking partners in complex or sensitive situations.
• Coach and mentor Credit Solutions professionals and support continuous improvement.

Skills

Credit underwriting

Leadership

Communication

Analytical skills

Organizational skills

Internal banking systems

Education

Bachelor’s degree in Business/Finance/Accounting

Tools

Microsoft Office

Internal banking systems

Job description

Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

GENERAL FUNCTION:

The Credit Lead is accountable for the development of Credit Solutions professionals and active portfolio management leadership through execution, prioritization, and consistency of credit practices and credit risk oversight. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Establish workflow priorities and resource alignment to support effective execution across deal and portfolio activities. Maintain a forward-looking, independent assessment of borrower and portfolio creditworthiness, including early identification of emerging risks, and expedite emerging risks or nonstandard situations to senior credit leadership as appropriate. Drive credit excellence metrics, including asset quality, policy adherence, underwriting quality, risk rating accuracy, problem loan identification, and timely remediation of issues. Ensure consistent application of credit policy, underwriting standards, and portfolio management practices across teams. Engage with clients and prospects as needed, typically in support of Banking partners and senior credit leadership, particularly in complex or sensitive situations. Champion continuous improvement initiatives, special projects, and strategic enhancements to credit and portfolio management processes and systems. Ensure system integrity, documentation accuracy, and regulatory compliance across the portfolio. Provides ongoing coaching and mentoring of Credit Solutions professionals.

SUPERVISORY RESPONSIBILITY:

Includes the direct and indirect supervision and direction of the day-to-day activities of Credit Solutions professionals. Responsible for providing employees with timely, candid, and constructive performance feedback. Develop employees to their fullest potential and provide challenging opportunities that enhance employee career growth. Develop the appropriate talent pool to ensure adequate bench strength and succession planning. Recognize and reward employees for accomplishments.

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

Bachelor’s degree in Business, Finance, Accounting, or related field required; advanced degree preferred. Minimum of 8 years of experience in commercial credit, portfolio management, underwriting, or credit risk leadership. Strong commercial credit underwriting, structuring, portfolio management, and legal documentation. Demonstrated leadership skills. Proven ability to maintain a forward-looking view of portfolio risk and proactively identify emerging credit issues. Deep knowledge of commercial lending policies, regulatory requirements, and risk governance frameworks. Strong communication, organizational, and analytical skills. Proficiency with internal banking systems and Microsoft Office tools.

Credit Lead At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day. The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance. Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.

LOCATION -- Atlanta, Georgia 30326

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

At Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.