GENERAL FUNCTION:

The Credit Analyst is primarily responsible forcompletingthe daily duties of underwriting and monitoring credit while performing analytical activities andidentifyingrisks or issues as needed.In addition, a Credit Analyst drafts credit approval documents andreviewmemos for loans and other ancillary products. documents and prepare for credit reviews.The Credit Analystisknowledgeable on financial and risk analysis anddemonstratesproficiencyin financial modeling.

The Credit Analyst is expected to buildproficiencyin underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversighton increasingly complex credits. Additionally, the Credit Analyst willattendand 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 andcolleagues, andensures that actions and behaviors drive a positive customer experience. Whileoperatingwithin the Bank's risk appetite,achievesresults by consistentlyidentifying, assessing, managing, monitoring, and reporting risks of all types.

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ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Responsible for proactivelymonitoringCredit Excellence andinitiatingcollection of financial statements for upcoming renewals and periodic reviews.

• Prepare succinctcredit approval memos with minimal errors,including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions.

• Completeongoing portfolio monitoring, including covenant tracking, financial statement reviews,and runrisk ratingmodels.

• Identifyanddeterminemonitoring analysis activitiesrequired

• Verify covenants and define updates needed on ticklers

• Monitor covenant completion and track past due or out of compliance covenants and recommendappropriate courseof action

• Responsible for understanding and evaluating completed spreads todeterminenecessary edits working in collaboration with the CCUteamworkstoidentifyand resolve required edits or corrections

• Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationshipmanagersand others as needed.

• PrepareCriticized Period Reviewsreportswith oversight

• Responsible for running projection models with assumptions provided

• Responsible for completing underwriting process with limited oversight

• Preparesportfolio analysis and Portfolio Reviewmaterials

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

• Takeappropriate actionto resolve data, documentation, or analysis deficiencies and escalate questions to theappropriate level

• Identifyemerging risks or negative trends and escalate appropriately.

• Maintain a working knowledge of Bancorp credit policies,guidelinesand procedures.

• Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.

• Mayassistwith training and onboarding of new employees

• May support special projects or ad hoc analysis as assigned by management

SUPERVISORY RESPONSIBILITY:

None

MINIMUM KNOWLEDGE,SKILLSAND ABILITIES REQUIRED:

• 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
• Proficiencyin 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 whilemaintainingclose attention to detail.
• Proficient in all Microsoft Office software

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. 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.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being.You can learn more about those programs on our 53.com Careers page at: or by consulting with your talent acquisition partner.

Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting.Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes 6 no matter how they are submitted 6 will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.