Fifth Third Bank Credit Risk Analyst I in Cincinnati, Ohio
Fifth Third Bank is one of the top-performing banks in the country, with a heritage that spans more than 150 years. We've staked our claim on looking at things differently to making banking a Fifth Third Better. This applies to our relationships with customers and employees alike.
We employ about 18,000 people, and what we offer is:
# A chance for employees to build their future, with supportive career development and financial wellness programs.
# An environment where we win together. We celebrate achievement and work collaboratively. We're also a three-time Gallup Great Workplace honoree.
# An invitation to impact lives in a positive and lasting way. Everything we do is geared toward improving lives. That's fun and exciting.
It comes down to the fact that Fifth Third is a warm and caring place to with which to grow # as a customer or as a team member.
Credit Risk Management, within Fifth Third Bank's Risk division, encompasses Commercial and Consumer Credit Risk along with our Special Assets Group. Independent from the lines of business, our team of Credit Risk Management professionals are responsible for the overall credit risk strategy, risk assessment and oversight of the portfolio of commercial and consumer loans and ancillary bank products with credit risk originated by the various lines of business. Balanced financial risk taking through a clearly established risk appetite is accomplished through underwriting, approval, monitoring and portfolio management of loans across the various lending disciplines.
The Special Assets Group supports the workout of loans with associated credit risks that have been classified at or above defined risk levels deemed too high for the bank to manage in a traditional portfolio. Together, these three departments support the Credit Risk Strategic Framework focused on creating competitive advantage through independent, forward looking and proactive thought leadership.
GENERAL FUNCTION: Responsible for developing analytics to assist in the identification and
evaluation of all risks related to Consumer Credit (i.e. Direct, Indirect, Credit Card, and
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.
DUTIES & RESPONSIBILITIES:
Demonstrate technical expertise in the area of consumer credit risk.
Provide direct support within the Credit Risk group in the evaluation and analysis of all
consumer credit risk.
- Analyze portfolio level information to identify and monitor key risk factors and develop
Perform ad-hoc analysis of consumer portfolios as directed.
Report and analyze characteristics of the Consumer Credit in relation to
policies, guidelines and processes.
- Establish close working relationships with the Credit functions of the various Consumer Lending
groups, while maintaining independence/objectivity.
- Develop and/or evaluate various models used for loss forecasting, portfolio stress testing, and
other targeted analysis.
- Monitor and evaluate problem loan statistics. Ensure that appropriate reporting of activity is
occurring consistent with Bancorp policy as well as pertinent accounting/regulatory guidance.
- Ability to access and query a multitude of databases and create and maintain data sets as
- Identify and communicate potential policy and or operational improvements that will enhance
- Develop reports and documentation for FRY14M, FRY14Q, CCAR and regulatory purposes
SUPERVISORY RESPONSIBILITIES: None except project management responsibilities.
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
Bachelor's Degree or equivalent work experience. MBA preferred
Minimum 2 years of Consumer Lending experience (origination and/or credit).
Minimum 2 years experience in reporting systems, database management and analytics.
Excellent analytical, verbal and written communication skills.
Demonstrated ability to interpret data and determine next steps.
Demonstrated ability to work with significant volumes of data in various formats and
- Computer Skills:
o Strong Excel, Access, SQL, Business Objects, Tableau, R and/or SAS background.
o Demonstrated ability to learn and understand various applications and business
Fifth Third Bank 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.