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    Commercial Credit Analyst II - Chicago, United States - Fifth Third

    Fifth Third
    Fifth Third Chicago, United States

    3 weeks ago

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    Description
    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.

    Inaddition,asuccessful 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 proficiencyinfinancialmodeling.

    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 supportPortfolioReviewsas 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 ensuresthatactions 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
    Commercial Credit Analyst IILOCATION Chicago, Illinois

    60606


    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.

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