Sr Credit Analyst - Healthcare Real Estate

About the role

The Credit Analyst II at Fifth Third Bank partners with Portfolio Managers to support the daily duties of underwriting and monitoring credit. This role involves performing analytical tasks, drafting documentation, and preparing for credit reviews. The Credit Analyst II must demonstrate proficiency in financial modeling and develop the ability to complete the underwriting process independently.

Responsibilities

• Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed
• Use critical thinking to identify and draft documentation
• Regularly complete indicative credit information into Banking Systems with little to no errors
• Prepare risk-rating scorecard and tickler event analysis and determine actions based on results working in collaboration with PM's
• Develop risk models and advise PMs on unforeseen obstacles
• Identify and determine monitoring analysis activities required
• Verify covenants and define updates needed on ticklers
• Maintain 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
• Create and complete a CAM with little to no errors
• Review and re-write renewals for deals of limited complexity
• Support Portfolio Managers and special projects
• Takes appropriate remedial actions to resolve deficiencies and escalate questions/disputes to appropriate level when necessary
• May assist with training of 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 credit experience, ideally in Healthcare Real Estate and/or general Commercial Real Estate
• Sound Financial and risk analysis understanding, including the ability to develop financial models
• Extensive Knowledge of banking products and services
• 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 using effective problem solving and analytical skills with ability to handle and prioritize multiple tasks
• Proficient in all Microsoft Office software

Qualifications

• None

Skills

• Financial and risk analysis
• Financial modeling
• Underwriting
• Credit analysis
• Microsoft Office

Benefits

At Fifth Third Bank, we offer a comprehensive benefits program to support the individual needs of our employees and their families, encompassing physical, financial, emotional, and social well-being. For more information, visit our careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html.

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

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