Senior Commercial Middle Market 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 Senior Credit Analyst supports   end-to-end   underwriting and portfolio monitoring activities through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The role   is responsible for   independently executing most aspects of the underwriting process, including   in-depth   financial and risk analysis, drafting approval and review materials, and supporting credit committees and portfolio reviews with limited oversight.   The Senior Credit Analyst is accountable for managing risk by openly exchanging ideas and viewpoints, elevating concerns with clear analysis and recommendations, and adhering to   established   policies and procedures. The role acts with integrity, supports a positive customer and colleague experience, and   operates   within the Bank’s risk appetite. Success is achieved through consistent identification, assessment, monitoring, and escalation of credit risks.    #LI-JB1 ESSENTIAL DUTIES AND 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   c ompany 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   Prepare Criticized Period Reviews with limited oversight   Prepare portfolio analysis and Portfolio Review materials for management and risk committees   Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports   Take ownership of resolving data, documentation, or analysis deficiencies and escalate issues with clear recommendations when appropriate   Proactively   identify   emerging risks, adverse trends, or policy exceptions and escalate concerns   in a timely manner   Serve as a technical and analytical resource for junior analysts,   assisting   with training, onboarding, and informal coaching   Contribute to special projects, portfolio initiatives, or process improvement efforts as assigned by management     SUPERVISORY RESPONSIBILITY:   None   MINIMUM KNOWLEDGE,   SKILLS   AND ABILITIES REQUIRED:   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, demonstrable understanding of financial analysis and credit risk assessment, including development and review of financial models and projections   Advanced working knowledge of commercial banking products, services, and credit structures   Solid understanding of corporate legal structures and common   credit related   legal documents   General knowledge of U.S. banking regulations and supervisory expectations   Proficiency   in internal banking systems and applications   Strong written and verbal communication skills with the ability to clearly convey complex analysis   Demonstrated analytical judgment,   problem-solving   capability, and   the   ability to manage multiple priorities independently   with   strong   attention to