Commercial Real Estate Credit Analyst II

Fifth Third Bank Charlotte , NC 28201

Posted 2 weeks ago

Make banking a Fifth Third better

We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.


The Commercial Real Estate Credit Analyst II is primarily responsible for partnering with CRE Underwriters or Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. The Credit Analyst II is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.

The CRE 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, assessing, managing, monitoring, and reporting risks of all types.



  • Partner with CRE Underwriters and 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 scorecards and financial and covenant analysis and determining actions based on results working in collaboration with UW's and PM's

  • Responsible for developing risk models and advising UWs or 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

  • Update financial covenants and calculations as needed

  • Run Probability of Default (PD) model with oversight

  • Responsible for understanding and evaluating completed financial spreads.

  • 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

  • Takes appropriate remedial actions to resolve deficiencies and escalates questions/disputes to appropriate level when necessary.

  • May work on special projects as assigned by management.



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

  • Commercial Real Estate Credit experience strongly preferred

  • Formal credit training strongly preferred

  • Sound Financial and risk analysis understanding, including the ability to develop financial models

  • Critical thinking and writing skills.

  • 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


  • Normal office environment with little exposure to dust, noise, temperature and the like

  • Minimal travel required

Commercial Real Estate Credit Analyst II

LOCATION -- Charlotte, North Carolina 28202

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.

icon no score

See how you match
to the job

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Commercial Real Estate Portfolio Associate

Wells Fargo

Posted Yesterday

VIEW JOBS 1/31/2023 12:00:00 AM 2023-05-01T00:00 <p>About this role:</p><p>Wells Fargo is seeking a Commercial Real Estate Portfolio Associate...</p><p>In this role, you will:</p><ul><li><p>Participate in basic review, research and reporting of commercial property performance</p></li><li><p>Exercise independent judgment to guide low risk deliverables</p></li><li><p>Present recommendations for resolving less complex situations and exercise independent judgment while developing expertise in the function, policies, procedures, and compliance requirements</p></li><li><p>Collaborate and consult with Commercial Real Estate Portfolio Management colleagues, internal partners, and stakeholders, including internal as well as external customers</p></li></ul><p>Required Qualifications:</p><ul><li>6+ months of Commercial Real Estate Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education</li></ul><p>Desired Qualifications:</p><ul><li><p>BA/BS in related field</p></li><li><p>Experience with Microsoft Office</p></li><li><p>Excellent communication skills</p></li><li><p>Commercial Real Estate experience</p></li></ul><p>We Value Diversity</p><p>At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.</p><p>Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.</p><p>Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.</p><p>Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.</p><br> Wells Fargo Charlotte NC

Commercial Real Estate Credit Analyst II

Fifth Third Bank