Remote Senior Credit Utility Analyst

Fifth Third Bank

Cincinnati (OH)

On-site

USD 61,000 - 126,000

Full time

14 days+

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Job summary

Fifth Third Bank is seeking a Credit Utility Analyst Senior to join its central credit utility, handling the independent spread of commercial financial statements for risk evaluation. You will work with portfolio and relationship managers, applying accounting and underwriting principles to ensure accurate financial reporting and covenants across diverse industries.

The role involves monitoring loan portfolio risk, supporting leadership, and collaborating on special projects, with the potential

Qualifications

Bachelor's degree in accounting, finance or economics preferred or commensurate experience.
2+ years of commercial credit or equivalent experience.
Experience in spreading financial statements including commercial & Industrial, personal financial statements, individual tax returns, commercial Real Estate, governmental & institutional, dealer floor plan, not-for-profit and various specialty types such as NFP Hospitals, structured Finance, Publicly Traded, international, energy, Restaurants, etc.
Must be proficient in basic software applications such as Microsoft Word and Excel.
Good working knowledge of Fifth Third's internal applications such as CCAS, ACE and AFS and vendor supported systems such as Moody's Risk Analyst and Crowe Navigator is preferred.
Excellent attention to detail, Ability to work Independently, attentive to deadlines, Good interpersonal skills, proficient at multi-tasking, and possessive of strong verbal and written communication skills.

Responsibilities

Independently spread a variety of commercial customer and prospect financial statements of medium to high complexity in accordance with Bancorp published guidelines to ensure consistency and accuracy across Lines of business, industries, and regions.
Communicate with portfolio managers and relationship managers, knowledge of accounting and basic credit underwriting principals that drive spreading guidelines, financial reporting requirements, and financial covenants.
Demonstrate working knowledge of nuances associated with different industries and the impact on financial reporting and probability of default Ratings in order to Serve as a subject matter Expert for the team.
Assist in monitoring and assessing risk associated with the CCU's loan portfolio by executing assigned reviews and renewals in accordance with department procedures and Commercial Credit Policy.
Assist with special projects, portfolio manager administrative tasks, and Support the Central credit Utility leadership as needed.