Senior Credit Analyst: Strategic Underwriting & Risk

Fifth Third; Muskogee (OK); On-site; USD 85,000 - 120,000; Full time

Job summary

Fifth Third Bank seeks a Senior Credit Analyst to support end-to-end underwriting and portfolio monitoring. You will analyze borrower financial statements, prepare credit approval materials, and collaborate with Portfolio Managers, Underwriters, and Credit Risk partners to manage risk.

Strong Excel and PowerPoint skills are essential. The role emphasizes independent analysis, data integrity across systems, and proactive risk escalation while contributing to process improvements and training

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

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.

Skills

Financial analysis

Credit risk assessment

Underwriting

Communication skills

Excel

PowerPoint

Legal documents knowledge

Regulatory knowledge

Banking systems

Analytical judgment

Education

Bachelor’s in Business/Finance/Accounting

Tools

Microsoft Office

Job description

Fifth Third Bank seeks a Senior Credit Analyst to support end-to-end underwriting and portfolio monitoring. You will analyze borrower financial statements, prepare credit approval materials, and collaborate with Portfolio Managers, Underwriters, and Credit Risk partners to manage risk.

Strong Excel and PowerPoint skills are essential. The role emphasizes independent analysis, data integrity across systems, and proactive risk escalation while contributing to process improvements and training