Strategic Credit Analyst — Underwriting & Risk Modeling

Fifth Third Bank, N.A.; San Jose (CA); On-site; USD 54,000 - 112,000; Full time

Job summary

Fifth Third Bank, N.A. in San Jose, CA, is seeking a Credit Analyst to perform underwriting, monitoring, and risk analysis for loans and ancillary products.

You will draft credit approval documents and review memos, building proficiency in end-to-end underwriting with increasing complexity. The role requires a Bachelor's in Business/Finance/Accounting and 2+ years in commercial banking, with strong technical and communication skills to support portfolio reviews and reporting.

Qualifications

• Bachelor's degree in Business, Finance, or Accounting.
• 2+ years of Commercial Banking experience.
• Strong financial and risk analysis with the ability to develop financial models.
• Knowledge of banking products and services and regulatory context.

Responsibilities

• Proactively monitor Credit Excellence and initiate collection of financial statements for renewals and reviews.
• Prepare succinct credit approval memos with assumptions, risks, and terms.
• Monitor portfolio through covenant tracking and financial statement reviews.
• Identify monitoring analytics required for ongoing risk assessment.
• Verify covenants and update ticklers as needed.
• Track covenants and recommend actions for past due or non-compliance cases.
• Collaborate with CCU to review and correct spreads and required edits.
• Generate pipeline and portfolio reporting for leadership and underwriters.

Skills

Financial analysis

Risk analysis

Financial modeling

Banking products

Regulatory knowledge

Internal banking systems

Communication skills

Problem solving

MS Office

Education

Bachelor's degree in Business, Finance, or Accounting

Tools

Microsoft Office

Internal banking applications

Job description

Fifth Third Bank, N.A. in San Jose, CA, is seeking a Credit Analyst to perform underwriting, monitoring, and risk analysis for loans and ancillary products.

You will draft credit approval documents and review memos, building proficiency in end-to-end underwriting with increasing complexity. The role requires a Bachelor's in Business/Finance/Accounting and 2+ years in commercial banking, with strong technical and communication skills to support portfolio reviews and reporting.