Senior Credit Analyst

Fifth Third Bank; Bakersfield (CA); On-site; USD 71,000 - 146,000; Full time

Job summary

The Fifth Third Bank in San Jose, CA seeks a Senior Credit Analyst to support end-to-end underwriting and portfolio monitoring, collaborating with Portfolio Managers, Underwriters, and Credit Risk partners.

You will independently analyze financial statements, prepare credit approval memos, develop projection models, monitor covenant compliance, and contribute to risk reviews and committee materials.

Qualifications

• Bachelor’s degree in Business, Finance, Accounting, or a related field.
• 3+ years of experience in Commercial Banking, credit analysis, underwriting, or a related role.
• Strong understanding of financial analysis and credit risk assessment.

Responsibilities

• Partner with Portfolio Managers/Underwriters to support complex underwriting and ongoing monitoring of commercial credit relationships.
• Independently analyze borrower and guarantor financial statements, including cash flow sustainability, leverage, liquidity, and profitability trends.
• Lead preparation of concise credit approval memoranda with analysis and risk assessment.

Skills

Financial analysis and credit risk

Excel and PowerPoint

Internal banking systems

Written and verbal communication

Multi-tasking and attention to detail

Education

Bachelor’s degree in Business, Finance, or Accounting

Tools

Internal banking systems

Excel

PowerPoint

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 Senior Credit Analyst supportsend-to-endunderwriting and portfolio monitoring activities through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The roleis responsible forindependently executing most aspects of the underwriting process, includingin-depthfinancial and risk analysis, drafting approval and review materials, and supporting credit committees and portfolio reviews with limited oversight.

The Senior Credit Analyst is accountable for managing risk by openly exchanging ideas and viewpoints, elevating concerns with clear analysis and recommendations, and adhering toestablishedpolicies and procedures. The role acts with integrity, supports a positive customer and colleague experience, andoperateswithin the Bank’s risk appetite. Success is achieved through consistent identification, assessment, monitoring, and escalation of credit risks.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Partner with Portfolio Managers and/or Underwriters to support complex underwriting, structuring, and ongoing monitoring of commercial credit relationships

• Independently analyze borrower and guarantor financial statements, including cash flow sustainability, leverage, liquidity, and profitability trends

• Lead the preparation of concise,well supportedcredit approval memoranda with minimal errors, includingcompany and industry analysis, identification and assessment of key credit risks and mitigants, historical financial analysis and prepare base and downside projectionmodels.

• Develop, review, andvalidatehistorical financial charts, projection models, and sensitivity analyses.

• Manage ongoing portfolio monitoring activities, including covenant compliance, financial statement reviews, and execution and validation of risk rating models

• Review and challenge completed financial spreads andworksto resolve required edits or inconsistencies

• Prepare Criticized Period Reviews with limited oversight

• Prepare portfolio analysis and Portfolio Review materials for management and risk committees

• Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports

• Take ownership of resolving data, documentation, or analysis deficiencies and elevate issues with clear recommendations when appropriate

• Proactivelyidentifyemerging risks, adverse trends, or policy exceptions and elevate concernsin a timely manner

• Serve as a technical and analytical resource for junior analysts,assistingwith training, onboarding, and informal coaching

• Contribute to special projects, portfolio initiatives, or process improvement efforts as assigned by management

SUPERVISORY RESPONSIBILITY:

None

MINIMUM KNOWLEDGE,SKILLSAND ABILITIES REQUIRED:

• Bachelor’s degree in Business, Finance, Accounting, or a related field

• 3+ years of experience in Commercial Banking, credit analysis, underwriting, or a related role

• Strong, demonstrable understanding of financial analysis and credit risk assessment, including development and review of financial models and projections

• Advanced working knowledge of commercial banking products, services, and credit structures

• Solid understanding of corporate legal structures and commoncredit relatedlegal documents

• General knowledge of U.S. banking regulations and supervisory expectations

• Proficiencyin internal banking systems and applications

• Strong written and verbal communication skills with the ability to clearly convey complex analysis

• Demonstrated analytical judgment,problem-solvingcapability, andtheability to manage multiple priorities independentlywithstrongattention to detail

• Advancedproficiencyin Microsoft Office applications, particularly Excel and PowerPoint

Senior Credit Analyst

Total Base Pay Range 71,100.00 - 145,900.00 USD Annual

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 – San Jose, California 95113

Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

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.