Credit Analyst Ii Jobs

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General Function

The Senior Credit Analyst is primarily responsible for partnering with Portfolio Managers, supporting 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 Portfolio Managers. 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

• Support Portfolio Managers and special projects.
• Responsible for completing underwriting process with limited oversight.
• Review covenant compliance certificates to understand performance and determine actions remediate breaches.
• Review and re-write renewals for deals of limited complexity.
• Create and complete a CAM with little to no errors.
• Use critical thinking to identify and draft documentation.
• Responsible for identifying and recommending preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight.
• Take appropriate remedial actions to resolve deficiencies and escalates questions/disputes to appropriate level when necessary.
• Responsible for assessing covenant compliance reporting and identifying issues.
• Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action.
• Run Probability of Default (PD) model with oversight.
• Identify and determine monitoring analysis activities required.
• May assist with training of new employees.
• Prepares ALSR reports with oversight.
• Responsible for developing risk models and advising PMs of unforeseen obstacles that may impede meeting client expectations.
• Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team.
• Verify covenants and define updates needed on ticklers.
• Responsible for portfolio analysis and the development for Portfolio Reviews in preparation for client meetings.
• Update financial covenants and calculations as needed.
• May work on special projects as assigned by management.
• Responsible for preparing risk-rating scorecard and performing tickler event analysis to identify potential risks.
• Responsible for running risk and projection models with oversight assumptions provided.
• Responsible for regularly completing indicative credit information into Banking Systems with little to no errors.
• Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed.

Minimum Knowledge, Skills And Abilities Required

• Strong verbal and written communication skills.
• Sound Financial and risk analysis understanding, including the ability to develop financial models.
• Knowledge of the local or regional market preferred, but not required.
• Minimum 2 years of Commercial Banking experience.
• General knowledge of U.S. government and regulation.
• Demonstrated expertise in using effective problem solving and analytical skills with ability to handle and prioritize multiple tasks.
• Knowledge of corporate business structure and legal documents.
• Proficiency in internal banking applications.
• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting).
• Extensive Knowledge of banking products and services.
• Proficient in all Microsoft Office software.

Working Conditions

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

Credit Analyst II

LOCATION -- Nashville, Tennessee 37219

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.