Portfolio Analyst

About the role

We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

Responsibilities

• Review and decide small business loan applications, especially for large amounts and complex loans.
• Aid peers and those less experienced in the loan decision process, providing expertise on financial analysis and loan structuring.
• Be responsible for risk by openly sharing ideas, raising concerns, and adhering to policies and procedures.
• Ensure actions and behaviors contribute to a positive customer experience while operating within the bank’s risk appetite.
• Spread financial statements based on information from the loan package.
• Provide loan decisions and/or credit recommendations based on all underwriting criteria, including loan structure, collateral, interest rate, and fees.
• Perform global cash flow and balance sheet analysis for small-business healthcare loans up to $2 million.
• Independently evaluate a borrower's financial condition and future outlook, identifying risks and proposing mitigation strategies.
• Collaborate with the sales team to develop loan structures that meet customer needs and align with the organization's risk appetite.
• Assist and mentor fellow team members in portfolio monitoring.
• Identify and recommend opportunities for process improvements and software development.
• Mentor credit analysts to enhance their risk management skills and knowledge.
• Communicate loan decisions to loan originators.
• Negotiate terms and conditions of loans with originators.
• Identify and review all necessary due diligence items.
• Communicate loan decisions to loan originators.

Requirements

• College degree in accounting, finance, or economics is preferred.
• Two or more years of experience in underwriting, portfolio monitoring, or similar business loan analysis.
• Basic knowledge of commercial lending and credit standards, policies, procedures, and products.
• Proficiency in using Microsoft Access, Word, and Excel.
• Familiarity with the Bank's internal applications is helpful.
• Attention to detail and excellent verbal and written communication and organizational skills.

Qualifications

While not specified in the job posting, typically qualifications may include:

• Experience with small business lending.
• Strong analytical and problem-solving skills.
• Ability to work independently and as part of a team.
• Knowledge of banking regulations and compliance.

Skills

Skills required for this role include:

• Financial analysis and loan structuring.
• Portfolio monitoring and risk assessment.
• Effective communication and mentoring.
• Software proficiency (Microsoft Access, Word, Excel).

Benefits

The bank offers comprehensive benefits and incentive compensation plans. For more details, visit 53.com Careers page.

Pay

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.

Schedule

Not specified in the job posting.