Credit Analyst II

Fifth Third Bank

. Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed .

Posted 5/8/2026full-timeAtlanta • 🇺🇸 United StatesJuniorMid-Level💰 $54,400 - $111,500 per yearWebsite

About the role

Key responsibilities & impact

Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed
Use critical thinking to identify and draft documentation
Responsible for regularly completing indicative credit information into Banking Systems with little to no errors
Responsible for preparing risk-rating scorecard and tickler event analysis and determining actions based on results working in collaboration with PM's
Responsible for developing risk models and advising PMs 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 and track past due or out of compliance covenants and recommend appropriate course of action
Responsible for assessing covenant compliance reporting and identifying 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
Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team
Responsible for identifying and recommending preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight
Prepares ALSR reports with oversight
Responsible for running risk and projection models with oversight assumptions provided
Responsible for completing underwriting process with limited oversight
Create and complete a CAM with little to no errors
Review and re-write renewals for deals of limited complexity
Responsible for portfolio analysis and the development for Portfolio Reviews in preparation for client meetings
Support Portfolio Managers and special projects
Takes appropriate remedial actions to resolve deficiencies and escalates questions/disputes to appropriate level when necessary.
May assist with training of new employees.
May work on special projects as assigned by management.

Requirements

What you’ll need

Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)
2+ years of Commercial Banking experience.
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
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

Benefits

Comp & perks

Comprehensive benefits
Differentiated compensation offerings

ATS Keywords

✓ Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

financial modelingrisk analysiscredit analysiscovenant complianceportfolio managementProbability of Default (PD) modelrisk-rating scorecardanalytical tasksunderwriting processbanking products and services

Soft Skills

critical thinkingproblem solvinganalytical skillscommunication skillsorganizational skillscollaborationtrainingprioritizationattention to detailremedial action