Credit Analyst II - Metals, Materials, and Construction

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. 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 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 :

Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed

Use critical thinking to identify and draft documentation

Responsible for regularly completing indicative credit information into Banking Systems with little to no errors

Responsible for preparing risk-rating scorecard and tickler event analysis and determining actions based on results working in collaboration with PM's

Responsible for developing risk models and advising 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

Responsible for assessing covenant compliance reporting and identifying 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

Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team

Responsible for identifying and recommending preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight

Prepares ALSR reports with oversight

Responsible for running risk and projection models with oversight assumptions provided

Responsible for completing 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

Responsible for portfolio analysis and the development for Portfolio Reviews in preparation for client meetings

Support Portfolio Managers and special projects

Takes appropriate remedial actions to resolve deficiencies and escalates questions / disputes to appropriate level when necessary.

May assist with training of new employees.

May work on special projects as assigned by management.

SUPERVISORY RESPONSIBILITIES : 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 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

At Fifth Third Bank, we understand the importance of rewarding our employees for their hard work and dedication, therefore, our Total Rewards offering includes a differentiated compensation package and comprehensive benefits.

Benefits :

Our benefits programs are designed to support the health, happiness, and financial well-being of our employees and their families. Your benefits will include access to comprehensive medical, dental, and vision coverage, a 401(k) plan and employee stock purchase plan that both offer a generous employer match, flexible paid time off, comprehensive leave programs, and unique benefits to support your overall mental and physical wellness. For additional details, please contact your recruiter.

Compensation :

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the US. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and / or individual performance.

Credit Analyst II - Metals, Materials, and Construction

Total Base Pay Range 53,400.00 - 109,500.00 USD Annual

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and / or individual performance.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at : or by consulting with your talent acquisition partner.

LOCATION Charlotte, North Carolina 28202

Attention search firms and staffing agencies : do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes - no matter how they are submitted - will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

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.