Fifth Third Bank
Credit Analyst II - Metals, Materials, and Construction
Fifth Third Bank, Orlando, Florida, us, 32885
Overview
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 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 drafts documents and prepares for credit reviews with limited support from Portfolio Managers. The role involves 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 underwriting process from beginning to end with limited oversight, and 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. 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 in collaboration with Portfolio Managers Develop risk models and advise Portfolio Managers 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 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 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 rewrite renewals for deals of limited complexity Portfolio analysis and preparation for Portfolio Reviews in advance of client meetings Support Portfolio Managers and special projects Take remedial actions to resolve deficiencies and escalate questions/disputes as necessary May assist with training of new employees May work on special projects as assigned by management Supervisory Responsibilities
None Qualifications
Bachelor\'s degree in Business (e.g., Business Administration, Finance, or Accounting) 2+ years of Commercial Banking experience Solid financial and risk analysis understanding, including 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 problem solving and analytical skills with ability to handle and prioritize multiple tasks Proficient in Microsoft Office Working Conditions
Normal office environment with little exposure to dust, noise, temperature, etc. Minimal travel required Benefits and Compensation
At Fifth Third Bank, we understand the importance of rewarding our employees. Our Total Rewards offering includes a differentiated compensation package and comprehensive benefits. Benefits programs provide health, dental, and vision coverage, a 401(k) plan with employer match, an employee stock purchase plan, flexible paid time off, and wellness programs. For additional details, please contact your recruiter. Compensation: The base salary for this position is reflective of the range for roles within this pay grade across the US. Salaries vary based on role, experience, education, and location. This role is eligible for incentive compensation based on company, line of business, and/or individual performance. Location: Charlotte, North Carolina 28202 Fifth Third Bank, National Association is committed to equal employment opportunity in all employment decisions irrespective of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status, or any other legally protected status.
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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 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 drafts documents and prepares for credit reviews with limited support from Portfolio Managers. The role involves 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 underwriting process from beginning to end with limited oversight, and 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. 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 in collaboration with Portfolio Managers Develop risk models and advise Portfolio Managers 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 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 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 rewrite renewals for deals of limited complexity Portfolio analysis and preparation for Portfolio Reviews in advance of client meetings Support Portfolio Managers and special projects Take remedial actions to resolve deficiencies and escalate questions/disputes as necessary May assist with training of new employees May work on special projects as assigned by management Supervisory Responsibilities
None Qualifications
Bachelor\'s degree in Business (e.g., Business Administration, Finance, or Accounting) 2+ years of Commercial Banking experience Solid financial and risk analysis understanding, including 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 problem solving and analytical skills with ability to handle and prioritize multiple tasks Proficient in Microsoft Office Working Conditions
Normal office environment with little exposure to dust, noise, temperature, etc. Minimal travel required Benefits and Compensation
At Fifth Third Bank, we understand the importance of rewarding our employees. Our Total Rewards offering includes a differentiated compensation package and comprehensive benefits. Benefits programs provide health, dental, and vision coverage, a 401(k) plan with employer match, an employee stock purchase plan, flexible paid time off, and wellness programs. For additional details, please contact your recruiter. Compensation: The base salary for this position is reflective of the range for roles within this pay grade across the US. Salaries vary based on role, experience, education, and location. This role is eligible for incentive compensation based on company, line of business, and/or individual performance. Location: Charlotte, North Carolina 28202 Fifth Third Bank, National Association is committed to equal employment opportunity in all employment decisions irrespective of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status, or any other legally protected status.
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