Energy Commercial Credit Analyst: Underwriting & Risk

Fifth Third Bank; Houston (TX); On-site; USD 70,000 - 90,000; Full time

Job summary

Fifth Third Bank is seeking a Credit Analyst in Houston to partner with Portfolio Managers on underwriting, monitoring credit, and risk analysis. The role requires preparing credit memos, reviewing financial statements, and developing projections with limited oversight.

Responsibilities include covenant tracking, data integrity, and producing portfolio analyses for leadership. A bachelor's in business and 2+ years of commercial banking experience are expected, with strong MS Office and

Qualifications

• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting).
• 2+ years of Commercial Banking credit analysis experience.
• Strong financial and risk analysis understanding, including 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.
• Strong problem-solving and analytical skills with ability to manage multiple tasks with attention to detail.
• Proficient in Microsoft Office software.

Responsibilities

• Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed.
• Monitor Credit Excellence and initiate collection of financial statements for renewals and reviews.
• Prepare succinct credit approval memos with risk analyses, terms and conditions.
• 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 covenants and recommend actions for non-compliance.
• Collaborate with CCU team to identify edits in spreads and resolve issues.
• Generate portfolio reporting for credit leadership and underwriters.
• Run projection models with provided assumptions.
• Complete underwriting process with limited oversight.
• Prepare portfolio analysis and Portfolio Review materials.
• Ensure accuracy and timeliness of credit data in systems.

Skills

Credit analysis

Financial modeling

Banking products

Regulatory knowledge

MS Office

Communication skills

Problem solving

Internal banking apps

Education

Bachelor's degree in Business

Tools

Microsoft Office

Job description

Fifth Third Bank is seeking a Credit Analyst in Houston to partner with Portfolio Managers on underwriting, monitoring credit, and risk analysis. The role requires preparing credit memos, reviewing financial statements, and developing projections with limited oversight.

Responsibilities include covenant tracking, data integrity, and producing portfolio analyses for leadership. A bachelor's in business and 2+ years of commercial banking experience are expected, with strong MS Office and