Commercial Credit Analyst

Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION:   The Credit Analyst is primarily responsible for completing the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a Credit Analyst drafts credit approval documents and review memos for loans and other ancillary products. documents and prepare for credit reviews. The Credit Analyst is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.  The Credit Analyst is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight on increasingly complex credits. Additionally, the Credit Analyst will attend and support Portfolio Reviews as needed.  Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.  ESSENTIAL DUTIES AND RESPONSIBILITIES:   Responsible for proactively monitoring Credit Excellence and initiating collection of financial statements for upcoming renewals and periodic reviews.   Prepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions.  Complete ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and run risk rating models.  Identify and determine monitoring analysis activities required  Verify covenants and define updates needed on ticklers  Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action  Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU teamworks to identify and resolve required edits or corrections  Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationship managers and others as needed.  Prepare Criticized Period Reviews reports with oversight  Responsible for running projection models with assumptions provided  Responsible for completing underwriting process with limited oversight  Prepares portfolio analysis and Portfolio Review materials  Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports  Take appropriate action to resolve data, documentation, or analysis deficiencies and escalate questions to the appropriate level  Identify emerging risks or negative trends and escalate appropriately.  Maintain a working knowledge of Bancorp credit policies, guidelines and procedures.   Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.    May assist with training and onboarding of new employees  May support special projects or ad hoc analysis as assigned by management  SUPERVISORY RESPONSIBILITY:   None  MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:   Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)  2+ years of Commercial Banking experience.  Sound Financial and risk analysis understanding, including the ability to develop financial models  Extensive Knowledge of banking products and services  Knowledge of corporate business structure and legal documents  General