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GENERAL FUNCTION:

The Commercial Core Underwriter & Portfolio Manager is a key member of the "coverage team", managing transactions and business portfolio tasks. Portfolio Managers & Underwriters are expected to be intimately involved in understanding the customer relationship, making recommendations on appropriate credit structures, and performing tasks that monitor and manage ongoing risks. They are directly accountable for managing a portfolio of accounts through their review of updated financial statements and proactive monitoring. This role will generally manage and underwrite smaller, less complex relationships and within the Core Channel.

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:

• Accountable for managing and monitoring a portfolio of accounts.
• Review and recommend credit decisions.
• Partners with the Relationship Manager, forming the "coverage team."
• Ensure loan structure is correct regarding borrowers and guarantors, deal structure, credit terms and conditions, and financial covenants.
• Value collateral.
• Expected to contribute to work flow or process change and redesign, and to form a strong basic understanding of the Credit Lending process.
• Focus on execution within defined credit lending process.
• Perform final risk rating analysis.
• Capture and document credit decisions, conditions, and modifications.
• Perform Monitoring action and conduct periodic relationship Review.
• Execute decisions to renew or modify deals.
• A focus on continuous learning to keep up with ever-changing market dynamics.
• Analyze new credit requests and Provide loan decisions and/or credit recommendations based on a review of all underwriting criteria, including loan structure, collateral, interest rate, and fees.
• Effectively communicate loan decision to loan originator (Relationship Manager).
• Identify and review all necessary due diligence items.

SUPERVISORY RESPONSIBILITIES: None

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting).
• At least 3 years credit analysis and/or loan review experience in Commercial Banking.
• Strong analytical skills and critical thinking skills.
• Strong verbal and written communication skills.
• Ability to partner with all deal stakeholders including relationship manager, sales and credit teams.
• Expertise in financial and risk analysis,
• Demonstrated expertise in using effective problem solving.
• Proficient with technology and ability to learn new applications.

WORKING CONDITIONS:

• Normal office environment with little exposure to dust, noise, temperature and the like.
• Extended viewing of a CRT screen.

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.