Fifth Third Bank
Overview
Join to apply for the
CRE Credit Analyst
role at
Fifth Third Bank . The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a successful Credit Analyst II will be able to draft documents and prepare for credit reviews with limited support from the Portfolio Managers. The Credit Analyst II is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling. The Credit Analyst II is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight. Additionally, the Credit Analyst II 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 ensure 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
Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed
Use critical thinking to identify and draft documentation
Regularly complete indicative credit information into Banking Systems with little to no errors
Prepare risk-rating scorecard and tickler event analysis and determine actions based on results, working in collaboration with PMs
Develop risk models and advise PMs of unforeseen obstacles that may impede meeting client expectations
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
Assess covenant compliance reporting and identify issues
Review covenant compliance certificates to understand performance and determine actions
Update financial covenants and calculations as needed
Run Probability of Default (PD) model with oversight
Understand and evaluate completed spreads to determine necessary edits, working in collaboration with the CCU team
Identify and recommend preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight
Prepare ALSR reports with oversight
Run risk and projection models with oversight assumptions provided
Complete underwriting process with limited oversight
Create and complete a CAM with little to no errors
Review and re-write renewals for deals of limited complexity
Portfolio analysis and development for Portfolio Reviews in preparation for client meetings
Support Portfolio Managers and special projects
Take appropriate remedial actions to resolve deficiencies and escalate questions/disputes to an appropriate level when necessary
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 knowledge of U.S. government and regulation
Knowledge of the local or regional market preferred, but not required
Proficiency in internal banking applications
Strong verbal and written communication skills
Demonstrated expertise in using effective problem solving and analytical skills with ability to handle and prioritize multiple tasks
Proficient in all Microsoft Office software
Working Conditions
Normal office environment with little exposure to dust, noise, temperature and the like
Minimal travel required
CRE Credit Analyst Total Base Pay Range 53,400.00 - 109,500.00 USD Annual
Location -- Chicago, Illinois 60606
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
#J-18808-Ljbffr
Join to apply for the
CRE Credit Analyst
role at
Fifth Third Bank . The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a successful Credit Analyst II will be able to draft documents and prepare for credit reviews with limited support from the Portfolio Managers. The Credit Analyst II is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling. The Credit Analyst II is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight. Additionally, the Credit Analyst II 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 ensure 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
Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed
Use critical thinking to identify and draft documentation
Regularly complete indicative credit information into Banking Systems with little to no errors
Prepare risk-rating scorecard and tickler event analysis and determine actions based on results, working in collaboration with PMs
Develop risk models and advise PMs of unforeseen obstacles that may impede meeting client expectations
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
Assess covenant compliance reporting and identify issues
Review covenant compliance certificates to understand performance and determine actions
Update financial covenants and calculations as needed
Run Probability of Default (PD) model with oversight
Understand and evaluate completed spreads to determine necessary edits, working in collaboration with the CCU team
Identify and recommend preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight
Prepare ALSR reports with oversight
Run risk and projection models with oversight assumptions provided
Complete underwriting process with limited oversight
Create and complete a CAM with little to no errors
Review and re-write renewals for deals of limited complexity
Portfolio analysis and development for Portfolio Reviews in preparation for client meetings
Support Portfolio Managers and special projects
Take appropriate remedial actions to resolve deficiencies and escalate questions/disputes to an appropriate level when necessary
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 knowledge of U.S. government and regulation
Knowledge of the local or regional market preferred, but not required
Proficiency in internal banking applications
Strong verbal and written communication skills
Demonstrated expertise in using effective problem solving and analytical skills with ability to handle and prioritize multiple tasks
Proficient in all Microsoft Office software
Working Conditions
Normal office environment with little exposure to dust, noise, temperature and the like
Minimal travel required
CRE Credit Analyst Total Base Pay Range 53,400.00 - 109,500.00 USD Annual
Location -- Chicago, Illinois 60606
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
#J-18808-Ljbffr