Fifth Third Bank Business Banking Associate Underwriter 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.

Fifth Third Bank's Business Banking division is recognized as an industry leader in helping companies reach their business goals as well as their personal financial goals. From treasury management solutions, to lines of credit and loans, to employee savings plans, we partner with small business owners to position their business for success.

GENERAL FUNCTION: Provide support to Retail and Business Banking relationship managers and

Business Banking Fulfillment Underwriters with regard to application completeness, credit analysis,

the communication of loan decisions and credit monitoring / portfolio reviews. On a limited

basis, underwrite and decision small business credit applications, both new and renewal, up to

$250,000. 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.


  • Responsible for reviewing and spreading financial statements based on information provided in

the loan request submission package or collect additional financial information from the LOB not

submitted with the application.

  • Collect and review all required collateral information.

  • Effectively communicate loan request information needs and structure with relationship


  • On a limited basis, approve or reject applications based on defined criteria when applications

exceed standard underwriting limits for Homogenous Pool transactions.

  • Identify and communicate cross-sell opportunities discovered during the underwriting process.

  • On a limited basis, negotiate terms and conditions of credit requests with relationship


  • Responsible for preparing Portfolio Review Reports and Administrative Loan Status Reports.

  • Maintain a working knowledge of Bancorp credit policies, guidelines and procedures.

  • Responsible for performing Borrowing Entity PD Ratings and Obligation LGD Ratings.

  • Miscellaneous job duties as needed.



  • Bachelor's degree in accounting, finance or economics preferred.

  • Minimum 1 year of credit analysis and/or loan review experience, preferably in the banking

industry, or an advanced business degree with a minimum of 1 year of business related


  • Must be proficient in basic software applications such as Microsoft Word and Excel.

  • Familiarity with the Bank's internal applications is a plus.

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.