Location: Houston, TX
Company: Fifth Third Bank
performing analytical activities and identifying risks or issues as needed. In addition, a successful Credit Analyst II will be able to draft documents and prepare for credit reviews with limited support from the Portfolio Managers. The Credit Analyst II is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.
The Credit Analyst II is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight. Additionally, the Credit Analyst II 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, backssing, 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 backssing covenant compliance reporting and identifying issues Review covenant compliance certificates to understand performance and determine actions Update 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 Prepares ALSR reports with oversight Responsible for running risk and projection models with oversight assumptions provided Responsible for completing underwriting process with limited oversight Create and complete a CAM with little to no errors Review and re-write renewals for deals of limited complexity Responsible for portfolio analysis and the development for Portfolio Reviews in preparation for client meetings Support Portfolio Managers and special projects Takes appropriate remedial actions to resolve deficiencies and escalates questions/disputes toappropriate 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)2+ years of Commercial Banking experience. Sound Financial and risk analysis understanding, including the ability to develop financial modelinteractiontensive Knowledge of banking products and services Knowledge 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 Proficiency in internal banking applications 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 Credit Analyst II - Energy - Oil & Gas LOCATION -- Houston, Texas 77002Fifth 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, interactionual orientation, gender identity, military status, veteran status or any other legally protected status.
Banking jobs refer to positions within banks and financial institutions that deal with money management, investment services, and customer transactions. These roles can range from tellers and customer service reps to investment bankers and financial analysts. Key characteristics of banking jobs include a strong focus on accuracy, customer service, regulatory compliance, and oftentimes, a fast-paced environment. Employees in the banking sector typically need strong numerical skills, attention to detail, and the ability to understand complex financial products and services. With the rise of fintech, banking jobs are also evolving to include more technology-driven positions.
Banking jobs refer to employment opportunities within banks and financial institutions where individuals manage financial transactions, provide customer service, and support banking operations. These jobs vary from tellers, loan officers, and financial advisors to analytical roles like risk assessors and investment bankers. Key features of banking jobs often include a focus on customer service, attention to detail, regulatory compliance, numerical skills, and the handling of sensitive information. They can offer career progression, respectable salaries, and opportunities for both entry-level and experienced professionals.
Banking jobs refer to employment positions within banks and financial institutions. These roles encompass a variety of functions such as managing finances, providing customer service, analyzing investments, and overseeing loans. Key features of banking jobs include attention to detail, strong numerical ability, understanding of financial regulations, and a focus on customer satisfaction. As the backbone of financial services, banking careers require professionalism, integrity, and often a degree in finance, economics, or a related field. With the advent of digital banking, these roles are also evolving to include tech-savviness and adaptability to changing financial technologies.
a supportive environment for you to thrive in. If you have a proven track record of creating lending solutions for your clients, we’d love to have you on our team. Please apply today! Responsibilities: • Communicate a thorough understanding of different loan programs and closing costs to help prospective buyers make a decision• Work closely with industry related professionals to gather and prepare all necessary information to complete underwriting requirements• Manage a large pipeline of loans to ensure your production meets our requirements• Ensure all phases of the loan process are performed in accordance with regulatory and company guidelines• Establish and maintain relationships with realtors,
bank officers, builders, and the community at large in order to retain existing and attract new business Qualifications: • Multiple years of real estate, mortgage origination, or lending required• Current NMLS State License or Federal NMLS Registration• Understand a variety of loans such as: FHA, VA, USDA, conventional, fixed/ adjustable, bridge, non-conforming, FNMA and FHLMC, and Home Equity Lines of Credit• Requires compliance with lending regulations and bank underwriting guidelines and lending policies• Bachelor’s degree from a four year college or university required in banking, business, real estate, or a related field Compensation: $90,000 - $120,000 at plan commission About Company:
We believe in the power of flexibility.
Our cloud-based brokerage model allows you to work remotely, giving you the freedom and convenience to expand in this industry from wherever you choose.
We value your ambition. We understand that as a Loan Officer, having the right support is essential. That's why we provide high levels of support and offer weekly training to help you sharpen your skills and stay ahead of the game. We equip our professionals with top-of-the-line tools. From our high-quality LOS to CRM software, we cover the costs as long as you're closing loans. We don't just talk about doing the right thing – we live it. At PWM, integrity and accountability are at the core of everything we do.
Join our team of elite professionals in our mission to always do what's right for our clients.
