Commercial Real Estate Credit Analyst

Responsible and accountable for

• Proactively monitor Credit Excellence and initiate collection of financial statements for upcoming renewals and periodic reviews.
• Prepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions.
• Complete ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and run risk rating models.
• 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.
• Understand and evaluate completed spreads to determine necessary edits, working in collaboration with the CCU team.
• Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationship managers and others as needed.
• Prepare Criticized Period Reviews reports with oversight.
• Prepare underwriting process with limited oversight.
• Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports.
• Take appropriate action to resolve data, documentation, or analysis deficiencies and escalate questions to the appropriate level.
• Identify emerging risks or negative trends and escalate appropriately.
• Maintain a working knowledge of Bancorp credit policies, guidelines and procedures.
• Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.
• May assist with training and onboarding of new employees.
• Support special projects or ad hoc analysis as assigned by management.

Essential Duties And Responsibilities

Responsible for proactively monitoring Credit Excellence and initiating collection of financial statements for upcoming renewals and periodic reviews.

Prepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions.

Complete ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and run risk rating models.

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.

Understand and evaluate completed spreads to determine necessary edits, working in collaboration with the CCU team.

Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationship managers and others as needed.

Prepare Criticized Period Reviews reports with oversight.

Prepare underwriting process with limited oversight.

Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports.

Take appropriate action to resolve data, documentation, or analysis deficiencies and escalate questions to the appropriate level.

Identify emerging risks or negative trends and escalate appropriately.

Maintain a working knowledge of Bancorp credit policies, guidelines and procedures.

Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.

May assist with training and onboarding of new employees.

Support special projects or ad hoc analysis as assigned by management.

Minimum Knowledge, Skills And Abilities Required

• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)
• 2+ years of Commercial Banking credit analysis experience. CRE experience preferred.
• 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
• Proficiency in internal banking applications
• Strong verbal and written communication skills
• Demonstrated strong problem-solving and analytical skills, with the ability to manage and prioritize multiple tasks while maintaining close attention to detail.

Total Base Pay Range

$54,400.00 - $111,500.00 USD Annual

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: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.