Senior Credit Analyst

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

Job summary

Fifth Third Bank is seeking a Senior Credit Analyst to support end-to-end underwriting, portfolio monitoring, and risk assessment for commercial credits in San Jose, CA. You will prepare well-supported credit memoranda, analyze financial statements, and collaborate with Portfolio Managers and Underwriters to optimize risk-return decisions.

Ideal candidates have 3+ years in banking, strong modeling skills, and solid knowledge of banking regulations.

Qualifications

• Bachelor's degree required in business, finance, or accounting.
• 3+ years in commercial banking, credit analysis, or underwriting.
• Strong financial statement analysis and risk assessment capabilities.
• Advanced Excel and PowerPoint; experience with financial models.
• Knowledge of U.S. banking regulations and governance.

Responsibilities

• Support complex underwriting, structuring, and ongoing monitoring of commercial credits.
• Analyze borrower and guarantor financial statements for sustainability.
• Prepare concise credit approval memoranda with risk assessment.
• Develop historical charts, projections, and sensitivity analyses.
• Manage covenant reviews and risk rating model validation.
• Prepare Criticized Period Reviews and portfolio materials.
• Ensure accuracy of credit data across systems.
• Escalate data deficiencies with clear recommendations.
• Train and coach junior analysts; support process improvements.

Skills

Credit analysis

Underwriting

Financial modeling

Excel & PowerPoint

Communication skills

Education

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

Tools

Excel

PowerPoint

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 Senior Credit Analyst supports end-to-end underwriting and portfolio monitoring activities through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The role is responsible for independently executing most aspects of the underwriting process, including in-depth financial 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 to established policies and procedures. The role acts with integrity, supports a positive customer and colleague experience, and operates within 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 supported credit approval memoranda with minimal errors, including company and industry analysis, identification and assessment of key credit risks and mitigants, historical financial analysis and prepare base and downside projection models.
• Develop, review, and validate historical 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 and works to 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 escalation issues with clear recommendations when appropriate
• Proactively identify emerging risks, adverse trends, or policy exceptions and escalation concerns in a timely manner
• Serve as a technical and analytical resource for junior analysts, assisting with training, onboarding, and informal coaching
• Contribute to special projects, portfolio initiatives, or process improvement efforts as assigned by management

SUPERVISORY RESPONSIBILITY:

None

MINIMUM KNOWLEDGE, SKILLS AND 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 common credit related legal documents
• General knowledge of U.S. banking regulations and supervisory expectations
• Proficiency in internal banking systems and applications
• Strong written and verbal communication skills with the ability to clearly convey complex analysis
• Demonstrated analytical judgment, problem-solving capability, and the ability to manage multiple priorities independently with strong attention to detail
• Advanced proficiency in 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.