Commercial Real Estate Credit Analyst

Fifth Third Bank

Credit Analyst II responsible for partnering with CRE Portfolio Managers to support underwriting and monitoring credit. Involves risk analysis, drafting documents, and managing credit reviews.

Posted 5/15/2026full-timeCharlotte • Missouri, North Carolina, Ohio, Texas • 🇺🇸 United StatesJuniorMid-Level💰 $54,400 - $111,500 per yearWebsite

About the role

Key responsibilities & impact

Partner with Portfolio Managers in credit and underwriting
Use critical thinking to identify and draft documentation
Responsible for regularly completing indicative credit information into Banking Systems
Responsible for preparing risk-rating scorecard and tickler event analysis
Responsible for developing risk models and advising PMs
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
Responsible for assessing covenant compliance reporting
Review covenant compliance certificates to understand performance
Update financial covenants and calculations as needed
Run Probability of Default (PD) model with oversight
Responsible for understanding and evaluating completed spreads
Responsible for identifying and recommending preliminary portfolio management actions
Prepares ALSR reports with oversight
Responsible for running risk and projection models with oversight assumptions
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 development for Portfolio Reviews
Support Portfolio Managers and special projects

Requirements

What you’ll need

Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)
2+ years of Commercial Banking credit experience
Sound Financial and risk analysis understanding
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
Proficiency in internal banking applications
Strong verbal and written communication skills
Demonstrated expertise in using effective problem solving and analytical skills

Benefits

Comp & perks

Comprehensive benefits programs
Incentive compensation plan
Opportunities for professional development

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit analysisrisk modelingcovenant compliancefinancial analysisProbability of Default (PD) modelportfolio managementunderwriting processrisk-rating scorecarddocumentation draftingmonitoring analysis

Soft Skills

critical thinkingproblem solvinganalytical skillsverbal communicationwritten communication

Certifications

Bachelor's degree in BusinessBachelor's degree in FinanceBachelor's degree in Accounting