Senior Middle-Market Credit Strategist

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

Job summary

Fifth Third Bank in Costa Mesa, California seeks a Senior Commercial Middle Market Credit Analyst to support end-to-end underwriting and portfolio monitoring in collaboration with Portfolio Managers, Underwriters, and Credit Risk partners.

You will independently execute underwriting, analyze borrower and guarantor financials, draft credit memos, and contribute to portfolio reviews, risk ratings, and management reports.

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 ability to analyze financial statements and develop credit risk assessments.
• Advanced MS Office skills, especially Excel and PowerPoint.

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.

Skills

Financial analysis

Credit risk

Communication

Prioritization

Problem-solving

Education

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

Tools

Microsoft Excel

PowerPoint

Job description

Fifth Third Bank in Costa Mesa, California seeks a Senior Commercial Middle Market Credit Analyst to support end-to-end underwriting and portfolio monitoring in collaboration with Portfolio Managers, Underwriters, and Credit Risk partners.

You will independently execute underwriting, analyze borrower and guarantor financials, draft credit memos, and contribute to portfolio reviews, risk ratings, and management reports.