Credit Utility Analyst Senior

About the role

Performs a variety of commercial credit processes and controls for the central credit utility. Involved in other related risk and commercial business activities, as required. Responsibilities include independently spreading commercial customer and prospect financial statements for use in credit decisioning and risk evaluation. Also responsible for assisting with monitoring a large portfolio of small commercial credit accounts with exposures as determined by Commercial Credit Policy. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience.

Responsibilities

• Independently spread a variety of commercial customer and prospect financial statements of medium to high complexity in accordance with Bancorp published guidelines to ensure consistency and accuracy across Lines of business, industries, and regions.
• Communicate with portfolio managers and relationship managers, knowledge of accounting and basic credit underwriting principals that drive spreading guidelines, financial reporting requirements, and financial covenants.
• Demonstrate working knowledge of nuances associated with different industries and the impact on financial reporting and probability of default Ratings in order to serve as a subject matter expert for the team.
• Assist in monitoring and assessing risk associated with the CCU's loan portfolio by executing assigned reviews and renewals in accordance with department procedures and Commercial Credit Policy.
• Assist with special projects, portfolio manager administrative tasks, and support the Central Credit Utility leadership as needed.

Minimum Knowledge & Skills Required

• Bachelor’s degree in accounting, finance or economics preferred or commensurate experience.
• 2+ years of commercial credit or equivalent experience.
• Experience in spreading financial statements including commercial & industrial, personal financial statements, individual tax returns, commercial real estate, governmental & institutional, dealer floor plan, not-for-profit and various specialty types such as NFP hospitals, structured finance, publicly traded, international, energy, restaurants, etc.
• Must be proficient in basic software applications such as Microsoft Word and Excel.
• Good working knowledge of Fifth Third’s internal applications such as CCAS, ACE and AFS and vendor supported systems such as Moody’s Risk Analyst and Crowe Navigator is preferred.
• Excellent attention to detail, ability to work independently, attentive to deadlines, good interpersonal skills, proficient at multi-tasking, and possess strong verbal and written communication skills.

Pay

Total Base Pay Range: $61,200.00 – $125,500.00 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.