Senior Middle-Market Credit Analyst - Underwriting & Risk

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

Job summary

Fifth Third Bank in Costa Mesa, California is seeking a Senior Commercial Middle Market Credit Analyst to support end-to-end underwriting and portfolio monitoring. You will work with Portfolio Managers, Underwriters, and Credit Risk partners to analyze borrower financials and prepare concise credit approval memos.

This role emphasizes risk identification, data integrity, and collaboration across teams. You will lead financial analysis, projections, and reviews, participate in risk committees,

Qualifications

• Bachelor’s degree in Business, Finance, Accounting, or related field.
• 3+ years in Commercial Banking, credit analysis, underwriting, or related role.
• Strong understanding of financial analysis and credit risk assessment, including modeling.
• Advanced knowledge of internal banking systems and applications.
• Proficient in Microsoft Excel and PowerPoint.

Responsibilities

• Partner with Portfolio Managers/Underwriters to support underwriting, structuring, and portfolio monitoring.
• Independently analyze borrower and guarantor financial statements, cash flow, leverage, liquidity and profitability trends.
• Lead preparation of concise credit approval memoranda with company and industry analysis and risk assessment.
• Develop, review, and validate historical financial charts, projection models, and sensitivity analyses.
• Manage ongoing portfolio monitoring, covenant compliance, and risk rating model reviews.
• Prepare Portfolio Review materials for management and risk committees.

Skills

Credit analysis

Underwriting

Financial modeling

Risk assessment

Microsoft Excel

Communication skills

Education

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

Job description

Fifth Third Bank in Costa Mesa, California is seeking a Senior Commercial Middle Market Credit Analyst to support end-to-end underwriting and portfolio monitoring. You will work with Portfolio Managers, Underwriters, and Credit Risk partners to analyze borrower financials and prepare concise credit approval memos.

This role emphasizes risk identification, data integrity, and collaboration across teams. You will lead financial analysis, projections, and reviews, participate in risk committees,