Senior Credit Analyst - Commercial Underwriting & Risk

Fifth Third Bank; Dallas (TX); On-site; USD 90,000 - 120,000; Full time

Job summary

Fifth Third Bank in Dallas, TX is seeking a Senior Credit Analyst to support end-to-end underwriting and portfolio monitoring for commercial relationships. You will independently analyze borrower financials, prepare concise credit memoranda, and escalate risks with clear recommendations while collaborating with Portfolio Managers, Underwriters, and Credit Risk partners.

This role requires strong financial analysis, attention to detail, and the ability to manage multiple priorities in a

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.
• Advanced proficiency in Microsoft Office, especially Excel and PowerPoint.

Responsibilities

• Partner with Portfolio Managers/Underwriters to support underwriting, structuring, and monitoring of commercial credit relationships.
• Independently analyze borrower and guarantor financial statements, including cash flow, leverage, liquidity, and profitability trends.
• Lead preparation of concise credit approval memoranda with analysis, risks, and projections.
• Develop and validate historical financial charts, projections, and sensitivity analyses.
• Manage ongoing portfolio monitoring, covenant compliance, and risk rating models.
• Prepare portfolio reviews and materials for management and risk committees.
• Ensure accuracy and timeliness of credit data across systems; escalate issues with clear recommendations.

Skills

Credit analysis

Underwriting

Financial modeling

Excel

PowerPoint

Communication skills

Attention to detail

Education

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

Tools

Credit risk systems

Job description

Fifth Third Bank in Dallas, TX is seeking a Senior Credit Analyst to support end-to-end underwriting and portfolio monitoring for commercial relationships. You will independently analyze borrower financials, prepare concise credit memoranda, and escalate risks with clear recommendations while collaborating with Portfolio Managers, Underwriters, and Credit Risk partners.

This role requires strong financial analysis, attention to detail, and the ability to manage multiple priorities in a