5 3 Bank Jobs – Credit Analyst II

Job Description:

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.

Job Responsibilities:

• 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 identifying and recommending preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight
• Responsible for completing underwriting process with limited oversight
• Responsible for portfolio analysis and the development for Portfolio Reviews in preparation for client meetings
• Create and complete a CAM with little to no errors
• Identify and determine monitoring analysis activities required
• Review and re-write renewals for deals of limited complexity
• Run Probability of Default (PD) model with oversight
• Responsible for running risk and projection models with oversight assumptions provided
• Review covenant compliance certificates to understand performance and determine actions
• Responsible for developing risk models and advising PMs of unforeseen obstacles that may impede meeting client expectations
• Update financial covenants and calculations as needed
• Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team
• Responsible for regularly completing indicative credit information into Banking Systems with little to no errors
• Support Portfolio Managers and special projects
• Prepares ALSR reports with oversight
• Responsible for preparing risk-rating scorecard and tickler event analysis and determining actions based on results working in collaboration with PM’s
• Responsible for assessing covenant compliance reporting and identifying issues

Job Requirements:

• General knowledge of U.S. government and regulation
• Strong verbal and written communication skills
• Knowledge of the local or regional market preferred, but not required
• Proficiency in internal banking applications
• Sound Financial and risk analysis understanding, including the ability to develop financial models
• Knowledge of corporate business structure and legal documents
• Proficient in all Microsoft Office software
• Extensive Knowledge of banking products and services
• Bachelor’s degree in Business (e.g. Business Administration, Finance, or Accounting)
• Demonstrated expertise in using effective problem solving and analytical skills with ability to handle and prioritize multiple tasks

Job Details:

Company: Fifth Third Bank

Vacancy Type: Full Time

Job Location: Charlotte, NC, US

Application Deadline: N/A

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