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GENERAL FUNCTION: The Credit Analyst I is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical tasks as needed. In addition, a successful Credit Analyst will be able to prepare documents and utilize various reporting tools to identify portfolio management activities and make recommendations to Portfolio Managers. The Credit Analyst I is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling. Critical thinking skills are required for a Credit Analyst I, in addition to flexibility, a desire to learn, and an ability to work with numerous internal partners and build relationships.

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.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as neededUse critical thinking to identify and draft documentationResponsible for regularly completing indicative credit information into Banking Systems with little to no errorsResponsible for preparing risk-rating scorecard and tickler event analysis and determining actions based on results working in collaboration with PM'sResponsible for developing risk models and advising PMs of unforeseen obstacles that may impede meeting client expectationsIdentify and determine monitoring analysis activities requiredVerify covenants and define updates needed on ticklersMonitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of actionResponsible for assessing covenant compliance reporting and identifying issuesAccountable for updating financial covenants and calculations as neededRun Probability of Default (PD) model with oversightResponsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU teamResponsible for identifying and recommending preliminary portfolio management actions using Credit Service reporting and RADAR with some oversightSupport Portfolio Managers and special projectsTakes appropriate remedial actions to resolve deficiencies and escalates questions/disputes to

appropriate 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)0-2 years of Commercial Banking experience.Financial and risk analysis understanding, including the ability to develop financial modelsKnowledge of banking products and servicesAwareness of corporate business structure and legal documentsGeneral knowledge of U.S. government and regulationKnowledge of the local or regional market preferred, but not requiredKnowledge of internal banking applications preferred, but not requiredStrong verbal and written communication skillsDemonstrated expertise in using effective problem solving and analytical skills with ability to handle and prioritize multiple tasksProficient in all Microsoft Office software

WORKING CONDITIONS:

Normal office environment with little exposure to dust, noise, temperature and the likeMinimal travel required

Credit Analyst I

LOCATION -- Grand Rapids, Michigan 49546

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.