National Commercial Real Estate Credit Analyst I

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GENERAL FUNCTION: The Credit Analyst I is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical tasks as needed. In addition, a successfulCreditAnalystIwill be able to prepare documents and utilize various reporting tools to identify portfolio management activities and make recommendations to Portfolio Managers. The Credit Analyst I is knowledgeable on financial and riskanalysisanddemonstratesproficiency in financial modeling. Critical thinking skills are required for a Credit Analyst I, in addition to flexibility, a desire to learn, and an ability to work with numerous internal partners and build relationships.
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, andensuresthatactions 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 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
Accountable for updating 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
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.
SUPERVISORY RESPONSIBILITIES: None
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)
0-2 years of Commercial Banking experience.
Financial and risk analysis understanding, including the ability to develop financial models
Knowledge of banking products and services
Awareness 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
Knowledge of internal banking applications preferred, but not required
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
WORKING CONDITIONS:
Normal office environment with little exposure to dust, noise, temperature and the like
Minimal travel required
National Commercial Real Estate Credit Analyst ILOCATION -- Grand Rapids, Michigan

49503

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.

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