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GENERAL FUNCTION:

The Commercial Real Estate (CRE) Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a successful Credit Analyst II will be able to prepare for credit reviews with limited support from the Portfolio Managers. The Credit Analyst II is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.

The Credit Analyst II is also expected to build proficiency in underwriting renewals and modifications, developing the ability to complete the underwriting process from beginning to end with limited oversight. Additionally, the Credit Analyst II will attend and support Portfolio Reviews as needed.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Partner with Portfolio Managers in credit, monitoring and underwriting, performing analytical tasks as neededUse critical thinking to identify and draft documentationResponsible for regularly completing indicative credit information into Banking Systems with no errorsResponsible for preparing risk-rating scorecard and tickler event analysis and determining actions based on results working in collaboration with PM'sResponsible for developing risk models and advising PMs of unforeseen obstacles that may impede meeting client expectationsIdentify and determine monitoring analysis activities requiredVerify covenants and define updates needed on ticklersMonitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of actionResponsible for assessing covenant compliance reporting and identifying issuesReview covenant compliance certificates to understand performance and determine actionsUpdate financial covenants and calculations as neededRun Probability of Default (PD) model with oversightResponsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU teamResponsible for identifying and recommending preliminary portfolio management actions using Credit Service reporting and RADAR with some oversightPrepares ALSR reports with oversightResponsible for running risk and projection models with oversight assumptions providedResponsible for completing underwriting process with limited oversightCreate and complete a CAM with little to no errorsReview and re-write renewals for deals of limited complexityResponsible for portfolio analysis and the development for Portfolio Reviews in preparation for client meetingsSupport Portfolio Managers and special projectsTakes 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.

SUPERVISORY RESPONSIBILITIES: None

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)2+ years of Commercial Banking experience, preferably with CRE experience.Sound Financial and risk analysis understanding, including the ability to develop financial modelsKnowledge of banking products and servicesKnowledge of corporate business structure and legal documentsGeneral knowledge of U.S. government and regulationKnowledge of the local or regional market preferred, but not requiredProficiency in internal banking applicationsStrong critical thinking, verbal and written communication skillsDemonstrated expertise in using effective problem solving and analytical skills with ability to handle and prioritize multiple tasksProficient in all Microsoft Office software

WORKING CONDITIONS:

Normal office environment with little exposure to dust, noise, temperature and the likeMinimal travel required

At Fifth Third Bank, we understand the importance of rewarding our employees for their hard work and dedication, therefore, our Total Rewards offering includes a differentiated compensation package and comprehensive benefits. 

Benefits:

Our benefits programs are designed to support the health, happiness, and financial well-being of our employees and their families.  Your benefits will include access to comprehensive medical, dental, and vision coverage, a 401(k) plan and employee stock purchase plan that both offer a generous employer match, flexible paid time off, comprehensive leave programs, and unique benefits to support your overall mental and physical wellness. For additional details, please contact your recruiter.

Compensation: 

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the US. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.

Commercial Real Estate (CRE) Credit Analyst II

Total Base Pay Range 58,500.00 - 111,400.00 USD Annual

LOCATION -- Charlotte, North Carolina 28202

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.