[Hiring] Credit Analyst II - Healthcare/G&I @Fifth Third Bank

Role Description

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 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, ensuring that actions and behaviors drive a positive customer experience.

• 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
• Develop risk models and advise PMs of unforeseen obstacles
• 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
• Assess covenant compliance reporting and identify issues
• Review covenant compliance certificates to understand performance
• Update financial covenants and calculations as needed
• Run Probability of Default (PD) model with oversight
• Understand and evaluate completed spreads to determine necessary edits
• Identify and recommend preliminary portfolio management actions
• 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
• Responsible for portfolio analysis and development for Portfolio Reviews
• Support Portfolio Managers and special projects
• Take appropriate remedial actions to resolve deficiencies
• May assist with training of new employees
• May work on special projects as assigned by management

Qualifications

• 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
• Proficient in all Microsoft Office software

Requirements

• Normal office environment with little exposure to dust, noise, temperature and the like
• Minimal travel required

Benefits

• Access to comprehensive medical, dental, and vision coverage
• 401(k) plan and employee stock purchase plan with generous employer match
• Flexible paid time off
• Comprehensive leave programs
• Unique benefits to support overall mental and physical wellness