Commercial Credit Analyst

Fifth Third Bank

Credit Analyst responsible for underwriting, monitoring credit, and drafting approval documents at Fifth Third Bank. Collaborating with teams to manage risks and ensure compliance.

Posted 7/24/2026full-timeSan Jose • California • 🇺🇸 United StatesJuniorMid-Level💰 $54,400 - $111,500 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit underwriting, risk analysis, and financial modeling, with a strong understanding of banking products and compliance regulations. Proficient in preparing credit approval documents and conducting portfolio monitoring to ensure data integrity and timely reporting.

Highest-signal resume keywords

Credit UnderwritingRisk AnalysisFinancial ModelingPortfolio MonitoringMicrosoft Office Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Approval DocumentationCovenant TrackingFinancial Statement ReviewData Integrity ManagementProjection ModelingAnalytical ActivitiesEmerging Risk IdentificationFinancial AnalysisBanking Products KnowledgeCompliance Understanding

Soft Skills

Strong Communication SkillsProblem-Solving SkillsAttention to DetailTask PrioritizationAnalytical Skills

Tools & Technologies

Internal Banking Applications

Industry Keywords

Commercial BankingBancorp Credit PoliciesCorporate Business StructureLegal DocumentsU.S. Government Regulations

About the role

Key responsibilities & impact

Completes daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues
Drafts credit approval documents and review memos for loans and other ancillary products
Prepares succinct credit approval memos with minimal errors
Completes ongoing portfolio monitoring, including covenant tracking and financial statement reviews
Identifies and determines monitoring analysis activities required
Verifies covenants and defines updates needed on ticklers
Monitors covenant completion and tracks past due or out of compliance covenants and recommends appropriate course of action
Responsible for understanding and evaluating completed spreads to determine necessary edits
Generates and provides various pipeline and portfolio reporting as needed to credit leadership
Prepares Criticized Period Reviews reports with oversight
Responsible for running projection models
Ensures accuracy, integrity, and timeliness of credit data across internal systems and reports
Identifies emerging risks or negative trends and escalates appropriately
Maintains a working knowledge of Bancorp credit policies, guidelines and procedures

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
Proficiency in internal banking applications
Strong verbal and written communication skills
Demonstrated strong problem-solving and analytical skills, with the ability to manage and prioritize multiple tasks while maintaining close attention to detail.
Proficient in all Microsoft Office software.

Benefits

Comp & perks

Comprehensive benefits
Differentiated compensation offerings