Credit Analyst Environmental Services

Job Description

Overview

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The Credit Analyst is primarily responsible for completing the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a Credit Analyst drafts credit approval documents and review memos for loans and other ancillary products. documents and prepare for credit reviews. The Credit Analyst is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.

The Credit Analyst is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight on increasingly complex credits . Additionally, the Credit Analyst 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.

Responsibilities

Responsible for proactively monitoring Credit Excellence and initiating collection of financial statements for upcoming renewals and periodic reviews.
Prepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical a nalysis, base and downside case projection assumptions/rationale and terms and conditions.
Complete ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and run risk rating models .
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 understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team works to identify and resolve required edits or corrections
Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationship managers and others as needed.
Prepare Criticized Period Reviews reports with oversight
Responsible for running projection models with assumptions provided
Responsible for completing underwriting process with limited oversight

Preferred Qualifications

Bachelor's degree in Business ( e.g. Business Administration, Finance, or Accounting)

2+ years of Commercial Banking credit analysis experience , ideally that includes leveraged finance experience.
Sound Financial and risk analysis understanding, including the ability to develop financial models
Extensive K nowledge 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 skill s
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
LOCATION -- Detroit, Michigan 48226 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.

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