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GENERAL FUNCTION:

The Senior Credit Analyst is primarily responsible for partnering with Principals to support the daily duties of underwriting and monitoring credit while performing analytical tasks and identifying risks or issues as needed. In addition, a successful Senior Credit Analyst will be able to draft documents and prepare for credit reviews with limited support from the Principals. The Senior Credit Analyst demonstrates extensive knowledge of financial and risk analysis and expertise in financial modeling.

The Senior Credit Analyst demonstrates proficiency in underwriting, with the ability to complete the underwriting process from beginning to end with limited oversight. Additionally, the Senior Credit Analyst 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 Directors and Principals 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 performing tickler event analysis to identify potential risks.
• Responsible for developing risk models and advising Principals 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 remediate breaches.
• Update financial covenants and calculations as needed.
• Run Probability of Default (PD) model with oversight.
• 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.
• Take 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.

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

• Bachelor's degree in Business (e.g. Business Administration, Finance, Economics or Accounting).
• 3+ years of commercial/corporate banking credit experience, ideally including formal training.
• Sound Financial and risk analysis understanding, including the ability to develop financial models.
• Extensive Knowledge of banking products and services.
• 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, 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.

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.