Senior Credit Analyst: Strategic Underwriting & Risk Leader

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

Job summary

Fifth Third Bank in San Jose, CA is seeking a Senior Credit Analyst to support end-to-end underwriting and portfolio monitoring for commercial credit relationships. You will independently analyze financial statements, prepare credit memoranda, and assist with credit committee materials.

You will partner with Portfolio Managers and Underwriters to assess risks, develop financial projections, and monitor covenant compliance while maintaining strong risk controls and data integrity.

Qualifications

• Bachelor's degree in business, finance, accounting or related field.
• 3+ years in commercial banking or credit analysis.
• Strong financial analysis and risk assessment capabilities.
• Proficient in Excel and PowerPoint and data interpretation.

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 escalating issues with clear recommendations when appropriate.
• Proactively identify emerging risks, adverse trends, or policy exceptions and escalating 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.

Skills

Credit analysis

Financial modeling

Excel

PowerPoint

Communication skills

Risk assessment

Education

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

Tools

Internal banking systems

Job description

Fifth Third Bank in San Jose, CA is seeking a Senior Credit Analyst to support end-to-end underwriting and portfolio monitoring for commercial credit relationships. You will independently analyze financial statements, prepare credit memoranda, and assist with credit committee materials.

You will partner with Portfolio Managers and Underwriters to assess risks, develop financial projections, and monitor covenant compliance while maintaining strong risk controls and data integrity.