Fifth Third Bank
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GENERAL FUNCTION:
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. A successful Credit Analyst II will be able to draft documents and prepare for credit reviews with limited support from the Portfolio Managers. The role requires knowledge of financial and risk analysis and proficiency in financial modeling.
The Credit Analyst II is expected to build proficiency in underwriting, developing the ability to complete the process from start to finish with limited oversight. Additionally, they will support Portfolio Reviews as needed.
Responsible and accountable for risk management by exchanging ideas, raising concerns, and following policies and procedures. Ensures actions and behaviors support a positive customer experience. Operates within the Bank's risk appetite, consistently identifying, assessing, managing, monitoring, and reporting risks.
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.
Complete indicative credit information into Banking Systems accurately and regularly.
Prepare risk-rating scorecards and analyze tickler events, collaborating with PMs to determine actions.
Develop risk models and advise PMs on obstacles impacting client expectations.
Identify monitoring activities required and verify covenants, updating ticklers as needed.
Monitor covenant completion, track past due or non-compliant covenants, and recommend actions.
Assess covenant compliance reports and identify issues.
Review covenant certificates to understand performance and determine actions.
Update financial covenants and calculations as necessary.
Run Probability of Default (PD) models with oversight.
Evaluate completed spreads and collaborate with the CCU team for necessary edits.
Use Credit Service reporting and RADAR to identify and recommend portfolio management actions.
Prepare ALSR reports with oversight.
Run risk and projection models based on provided assumptions.
Complete the underwriting process with limited oversight.
Create and complete CAMs accurately.
Review and rewrite renewals for deals of limited complexity.
Conduct portfolio analysis and prepare for Portfolio Reviews and client meetings.
Support Portfolio Managers and participate in special projects.
Address deficiencies and escalate issues when necessary.
Assist with training new employees and perform other assigned tasks.
SUPERVISORY RESPONSIBILITIES:
None MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED: Bachelor's degree in Business, Finance, or Accounting. At least 2 years of Commercial Banking experience. Strong financial and risk analysis skills, including financial modeling. Extensive knowledge of banking products and services. Understanding of corporate structures and legal documents. Knowledge of U.S. government regulations. Regional market knowledge is a plus. Proficiency in internal banking applications. Excellent verbal and written communication skills. Effective problem-solving and multitasking abilities. Proficient in Microsoft Office Suite. WORKING CONDITIONS: Standard office environment with minimal exposure to environmental factors. Minimal travel required. Location: Houston, Texas 77002 Fifth Third Bank is committed to an inclusive culture and equal employment opportunity for all applicants and employees.
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None MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED: Bachelor's degree in Business, Finance, or Accounting. At least 2 years of Commercial Banking experience. Strong financial and risk analysis skills, including financial modeling. Extensive knowledge of banking products and services. Understanding of corporate structures and legal documents. Knowledge of U.S. government regulations. Regional market knowledge is a plus. Proficiency in internal banking applications. Excellent verbal and written communication skills. Effective problem-solving and multitasking abilities. Proficient in Microsoft Office Suite. WORKING CONDITIONS: Standard office environment with minimal exposure to environmental factors. Minimal travel required. Location: Houston, Texas 77002 Fifth Third Bank is committed to an inclusive culture and equal employment opportunity for all applicants and employees.
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