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GENERAL FUNCTION: Performs a variety of commercial credit processes and controls for the central credit utility. Involved in other related risk and commercial business activities, as required. Responsibilities include independently spreading commercial customer and prospect financial statements for use in credit decisioning and risk evaluation. This involves analyzing and interpreting business and personal financial statement s of all types to recreate financial statement reports in a format that represents the bank's credit underwriting and risk evaluation principals. Also, responsible for assisting with monitoring a large portfolio of small commercial credit accounts with exposures as determined by Commercial Credit Policy.

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:

• Independently spread a variety of commercial customer and prospect financial statements of medium to high complexity in accordance with Bancorp published guidelines to ensure consistency and accuracy across Lines of business, industries, and regions.

• Communicate with portfolio managers and relationship managers, knowledge of accounting and basic credit underwriting principals that drive spreading guidelines, financial reporting requirements, and financial covenants.

• demonstrate working knowledge of nuances associated with different industries and the impact on financial reporting and probability of default Ratings in order to Serve as a subject matter Expert for the team.

- Assist in monitoring and assessing risk associated with the CCU's loan portfolio by executing assigned reviews and renewals in accordance with department procedures and Commercial Credit Policy.

• assist with special projects, portfolio manager administrative tasks, and Support the Central credit Utility leadership as needed.

SUPERVISORY RESPONSIBILITIES: None

MINIMUM KNOWLEDGE & SKILLS REQUIRED:

- Bachelor's degree in accounting, finance or economics preferred or commensurate experience.

• 2+ years of commercial credit or equivalent experience.
• experience in spreading financial statements including commercial & Industrial, personal financial statements, individual tax returns, commercial Real Estate, governmental & Institutional, Dealer Floor Plan, not-for-profit and various specialtytypessuch as NFP Hospitals, structured Finance, Publicly Traded, international, energy, Restaurants, etc.
• Must be proficient in basic software applications such as Microsoft Word and Excel.

- Good working knowledge of Fifth Third's internal applications such as CCAS, ACE and AFS and vendor supported systems such as Moody's Risk Analyst and Crowe Navigator is preferred.

• Excellent attention to detail, Ability to work Independently, attentive to deadlines, Good interpersonal skills, proficient at multi-tasking, and possessive of strong verbal and written communication skills.

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner. 

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.  Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

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.