Senior Credit Analyst: Underwriting & Portfolio Risk

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

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.