Senior Credit Utility Analyst

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🔥 0 minutes ago

🏈 Ohio – Remote

🏈 Ohio – Remote

💵 $61.2k - $125.5k / year

⏰ Full Time

🟠 Senior

🧐 Analyst

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Fifth Third Bank

WebsiteLinkedInAll Job Openings

10,000+ employees

Founded 1858

🛡️ Insurance

💼 Consulting

📦 Logistics

Insurance • Consulting • Logistics

Fifth Third Bank is a diversified financial services company offering a wide range of banking and financial products and services. It provides personal banking solutions such as checking and savings accounts, credit and debit cards, and identity theft protection. Borrowers can access various loans and mortgage options, while investors benefit from investment products like ETFs, mutual funds, and stocks. The bank also provides a robust set of services for businesses and commercial clients, including cash management, treasury management, and specialized lending solutions. Additionally, Fifth Third offers wealth management services with private banking, trust, and estate services. Customers can benefit from Fifth Third's online and mobile banking platforms, enabling them to bank anywhere at any time. Fifth Third Bank is focused on delivering seamless banking experiences with a strong emphasis on customer convenience and security.

📋 Description

• Perform commercial credit processes and controls for the central credit utility • Independently spread medium- to high-complexity commercial customer and prospect financial statements according to Bancorp guidelines • Analyze and interpret business and personal financial statements and recreate reports for credit underwriting and risk evaluation • Communicate with portfolio managers and relationship managers regarding spreading guidelines, financial reporting requirements and financial covenants • Serve as a subject matter expert on industry nuances and their effects on financial reporting and probability of default ratings • Assist in monitoring and assessing risk associated with the Central Credit Utility loan portfolio • Execute assigned portfolio reviews and renewals according to department procedures and Commercial Credit Policy • Assist with special projects and portfolio manager administrative tasks • Support Central Credit Utility leadership as needed • Identify, assess, manage, monitor and report risks within the Bank's risk appetite

🎯 Requirements

• Bachelor's degree in accounting, finance or economics preferred or commensurate experience • 2+ years of commercial credit or equivalent experience • Experience spreading financial statements, including commercial and industrial, personal financial statements, individual tax returns, commercial real estate, governmental and institutional, dealer floor plan, not-for-profit and specialty types • Proficiency in Microsoft Word and Excel • Good working knowledge of Fifth Third internal applications such as CCAS, ACE and AFS preferred • Knowledge of vendor-supported systems such as Moody's Risk Analyst and Crowe Navigator preferred • Knowledge of accounting and basic credit underwriting principles • Working knowledge of industry nuances and their impact on financial reporting and probability of default ratings • Excellent attention to detail • Ability to work independently and meet deadlines • Good interpersonal skills • Ability to multitask • Strong verbal and written communication skills • No supervisory experience required; supervisory responsibilities are none

🏖️ Benefits

• Incentive compensation plan based on company, line of business and/or individual performance • Comprehensive benefits programs supporting physical, financial, emotional and social well-being • Benefits for employees and their families