Commercial Credit Program Participant 2026 - Charlotte

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GENERAL FUNCTION:

Performs a variety of assigned duties and special projects within the defined framework of a management-training program involving hands-on rotations through key departments within the Commercial Division. Becomes familiar with the business practices, operations, and procedures in each department rotation, acquiring the knowledge, skills, and experience required for assuming a permanent role (sales or support) in a Commercial department.

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 AND RESPONSIBILITIES:

• Can complete the credit underwriting process on their own with some revision / oversight
• Demonstrate ability to assess credit risk using financial statement analysis, cash flow analysis, industry analysis, collateral analysis, guarantor analysis and loan structure analysis via Credit Authorization Memo.
• Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action
• Accountable for updating financial covenants as needed
• Run Probability of Default (PD) model with oversight
• Partner with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical tasks as needed"
• Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team.
• Responsible for identifying and recommending preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight
• Create high-impact presentation materials using PowerPoint, Excel, Word and other relevant software programs.
• Understand and utilize complex financial models to build projections
• Handle special assignments/projects as assigned by department managers.
• Build an extensive network of contacts within Commercial and supporting divisions.
• Attend formal training classes, complete all assigned eLearning courses and participate in

• Extensive self-learning.

KNOWLEDGEAND SKILLS REQUIRED:

• Candidates must be authorized to work in the U.S. without the need for employment-based immigration sponsorship now or in the future
• Four-year undergraduate degree in Finance, Accounting or Economics.
• Graduating Class of 2026
• GPA of 3.0 or higher
• Relevant intern experience preferred.
• Outstanding verbal and written communication skills.
• Strong analytical skills.
• Ability to work in a team environment.
• Ability to multi-task and to be flexible.
• Must be proficient with Microsoft office products, such as Word, Excel, PowerPoint and
• Outlook.
• Ability to demonstrate initiative.

All the above duties and responsibilities are essential job functions for which reasonable accommodation will be made. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. This position description is not to be construed as an exhaustive statement of duties, responsibilities or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodation.

Compensation:

We offer a competitive base salary that is reflective of the range of salary levels for all roles within this pay grade across the US. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education, and geographic location.

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.

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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.