Credit Analyst II - Healthcare Real Estate

About the Role

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. A successful Credit Analyst II will draft documents and prepare for credit reviews with limited support from the Portfolio Managers, demonstrating proficiency in financial modeling and building underwriting skills to complete the process from beginning to end with limited oversight. Additionally, the Credit Analyst II will attend and support Portfolio Reviews as needed.

Accountable for risk management by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures. Ensures actions and behaviors drive a positive customer experience while operating within the Bank's risk appetite.

Responsibilities

• Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed.
• Use critical thinking to identify and draft documentation.
• Complete indicative credit information into Banking Systems with little to no errors.
• Prepare risk-rating scorecard and tickler event analysis, determining actions based on results in collaboration with Portfolio Managers.
• Develop risk models and advise Portfolio Managers 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, track past due or out-of-compliance covenants, and recommend appropriate courses of action.
• Assess covenant compliance reporting and identify 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.
• Evaluate completed spreads to determine necessary edits in collaboration with the CCU team.
• Identify and recommend preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight.
• Prepare ALSR reports with oversight.
• Run risk and projection models with provided oversight assumptions.
• Complete the underwriting process with limited oversight.
• Create and complete a CAM with little to no errors.
• Review and rewrite renewals for deals of limited complexity.
• Perform portfolio analysis and develop materials for Portfolio Reviews in preparation for client meetings.
• Support Portfolio Managers and special projects.
• Take appropriate remedial actions to resolve deficiencies and escalate questions/disputes as necessary.
• May assist with training new employees.
• May work on special projects as assigned by management.

Requirements

• Bachelor's degree in Business (e.g., Business Administration, Finance, or Accounting).
• 2+ years of Commercial Banking experience.
• Sound understanding of financial and risk analysis, 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 effective problem-solving and analytical skills, with the ability to handle and prioritize multiple tasks.
• Proficient in all Microsoft Office software.

Working Conditions

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

Benefits

Fifth Third offers comprehensive benefits and differentiated compensation to support employees' physical, financial, emotional, and social well-being. Total Rewards include:

• Base salary reflective of the range for this pay grade, adjusted for role, skillset, experience, education, and geographic location.
• Eligibility to participate in an incentive compensation plan based on company, line of business, and/or individual performance.

For more details, visit the Fifth Third Careers Benefits page.

Location: Charlotte, North Carolina 28202