Entry Level Credit Risk Analyst Jobs in Missouri

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.

GENERAL FUNCTION

The Associate Relationship Manager (ARM) partners with Relationship Managers (RMs) to support sales and servicing efforts, perform financial and risk analyses, and assist in developing client solutions. This role is designed to grow through tailored training and hands-on experience, progressing from foundational support tasks to more advanced client engagement and business development responsibilities.

ARMs are expected to demonstrate proficient financial and risk analysis capabilities, along with sales and business development acumen Critical thinking and effective prioritization are essential, especially when supporting multiple Relationship Managers or other internal partners. At the core of the ARM role is a commitment to continuous learning and progressive skill development. This includes gaining a deep understanding of the bank's products and services, building sales and client engagement competencies, identifying new revenue opportunities through prospecting, applying consultative selling strategies, and advancing proposals through the sales cycle.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Sales & Client Support:

• Partner with RMs to support sales and servicing activities.
• Assist in identifying and qualifying prospects through industry and client research.
• Create and maintain client management records in iris, including client profiles and opportunity pipelines.
• Prepare and contribute to client presentations and proposals.
• Attend and actively participate in client meetings and presentations.
• Collect and input KYC due diligence information.
• Conduct initial pricing analysis and generate relationship pricing models.
• Draft initial deal screens and opportunity memos.

Business Development

• Engage in direct client contact to support relationship development.
• Identify new business opportunities and apply consultative selling strategies.
• Conduct initial outreach to prospective clients and facilitate introductions to Relationship Managers.
• Support Relationship Managers in the negotiation, advancement and closure of proposals.

Learning & Development

The ARM role is guided by a curated learning curriculum and skill development pathway, which includes:

• Structured onboarding and training in commercial banking solutions.
• Access to internal learning platforms in finance, credit analysis, and relationship management.
• Coordinated access to experienced Relationship Managers and senior leaders who serve as trained coaches, providing guidance and support for professional development.
• Opportunities to participate in cross-functional projects and client engagements.
• Regular performance feedback and career planning discussions.

MINIMUM KNOWLEDGE, SKILLS & ABILITIES:

• Bachelor's degree in Business (e.g., Finance, Accounting, Business Administration), Liberal Arts or equivalent work experience preferred.
• 1-2+ years of experience in commercial banking, financial services or client-facing sales rolee, or accounting.
• Novice to proficient knowledge of:
• Financial and credit risk analysis
• U.S. economy and regulatory environment
• Sales and business development practices
• Commercial lending practices and corporate legal structures
• Understanding of local/regional market dynamics preferred.
• Strong verbal and written communication skills, including negotiation and presentation abilities.
• Effective problem-solving and analytical skills; self-driven with demonstrated ability to take ownership of multiple priorities.
• Proficiency in Microsoft Office Suite.

WORKING CONDITIONS

• Standard office environment with minimal exposure to noise, dust, or temperature variations.
• Minimal travel required.

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.