Senior Credit Analyst at Fifth Third Bank in San Jose

GENERAL FUNCTION:

The Senior Credit Analyst supports end-to-end underwriting and portfolio monitoring activities through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The role is responsible for independently executing most aspects of the underwriting process, including in-depth financial and risk analysis, drafting approval and review materials, and supporting credit committees and portfolio reviews with limited oversight.

The Senior Credit Analyst is accountable for managing risk by openly exchanging ideas and viewpoints, elevating concerns with clear analysis and recommendations, and adhering to established policies and procedures. The role acts with integrity, supports a positive customer and colleague experience, and operates within the Bank’s risk appetite. Success is achieved through consistent identification, assessment, monitoring, and escalation of credit risks.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Partner with Portfolio Managers and/or Underwriters to support complex underwriting, structuring, and ongoing monitoring of commercial credit relationships

• Independently analyze borrower and guarantor financial statements, including cash flow sustainability, leverage, liquidity, and profitability trends

• Lead the preparation of concise, well supported credit approval memoranda with minimal errors, including company and industry analysis, identification and assessment of key credit risks and mitigants, historical financial analysis and prepare base and downside projection models.

• Develop, review, and validate historical financial charts, projection models, and sensitivity analyses.

• Manage ongoing portfolio monitoring activities, including covenant compliance, financial statement reviews, and execution and validation of risk rating models

• Review and challenge completed financial spreads and works to resolve required edits or inconsistencies

• Prepare Criticized Period Reviews with limited oversight

• Prepare portfolio analysis and Portfolio Review materials for management and risk committees

• Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports

• Take ownership of resolving data, documentation, or analysis deficiencies and escalate issues with clear recommendations when appropriate

• Proactively identify emerging risks, adverse trends, or policy exceptions and escalate concerns in a timely manner

• Serve as a technical and analytical resource for junior analysts, assisting with training, onboarding, and informal coaching

• Contribute to special projects, portfolio initiatives, or process improvement efforts as assigned by management

SUPERVISORY RESPONSIBILITY:

None

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

• Bachelor’s degree in Business, Finance, Accounting, or a related field

• 3+ years of experience in Commercial Banking, credit analysis, underwriting, or a related role

• Strong, demonstrable understanding of financial analysis and credit risk assessment, including development and review of financial models and projections

• Advanced working knowledge of commercial banking products, services, and credit structures

• Solid understanding of corporate legal structures and common credit related legal documents

• General knowledge of U.S. banking regulations and supervisory expectations

• Proficiency in internal banking systems and applications

• Strong written and verbal communication skills with the ability to clearly convey complex analysis

• Demonstrated analytical judgment, problem-solving capability, and the ability to manage multiple priorities independently with strong attention to detail

• Advanced proficiency in Microsoft Office applications, particularly Excel and PowerPoint