Mid Level Credit Officer Jobs
Mid level credit officer jobs go to professionals ready to own credit analysis end to end, guide junior analysts, and make portfolio decisions with limited oversight. Hiring runs across Banking & Financial Services, Investment & Asset Management, and Fintech, with JPMorganChase, Regions Bank, and Lpl Financial among the employers competing for credit officers at this level now.
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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 Credit Administration Senior Analyst independently executes complex underwriting support and credit monitoring responsibilities, partners closely with Portfolio Managers, Underwriters, and Credit Leadership, and ensures credit files are complete, accurate, and ready to support sound credit decisions.
Accountable for risk by openly exchanging ideas and opinions, elevating concerns, and following policies and procedures as defined. Ensures actions and behaviors align with Fifth Third’s commitment to doing the right thing for customers and colleagues while operating within the Bank’s risk appetite.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Independently serves as the primary point of contact for complex renewals, reviews, and portfolio monitoring activities.
- Review financial statements and credit requests, identify gaps or inconsistencies, and obtain additional information needed to support credit decisions.
- Build and manage facility renewals and reviews in nCino in preparation for underwriting and approval.
- Ensure accuracy, completeness, and organization of credit documentation within nCino, DocMan, and FileNet.
- Perform and validate Borrowing Entity PD Ratings and Obligation LGD Ratings in accordance with policy.
- Proactively monitor covenants and portfolio risks, identifying and escalating emerging issues or trends.
- Prepare pipeline, portfolio, and ad-hoc reporting for Credit Leadership and internal partners.
- Serve as an informal resource to Credit Administration Analysts by providing guidance and sharing best practices.
- Identify process improvement opportunities and escalate recommendations to leadership.
SUPERVISORY RESPONSIBILITY:
May provide informal guidance or mentoring to Credit Administration Analysts.
MINIMUM KNOWLEDGE, SKILLS, AND ABILITIES REQUIRED:
- Bachelor’s degree in accounting, finance, economics, or related field preferred.
- Minimum of three years of credit analysis, loan review, or credit administration experience, preferably in banking.
- Demonstrated ability to independently manage complex work and exercise sound judgment.
- Strong analytical, organizational, and communication skills.
- Proficiency in Microsoft Word and Excel; familiarity with nCino and internal systems preferred.
COMPENSATION:
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 or by consulting with your talent acquisition partner.
LOCATION:
Detroit, Michigan 48226
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.
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 Credit Administration Senior Analyst independently executes complex underwriting support and credit monitoring responsibilities, partners closely with Portfolio Managers, Underwriters, and Credit Leadership, and ensures credit files are complete, accurate, and ready to support sound credit decisions.
Accountable for risk by openly exchanging ideas and opinions, elevating concerns, and following policies and procedures as defined. Ensures actions and behaviors align with Fifth Third’s commitment to doing the right thing for customers and colleagues while operating within the Bank’s risk appetite.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Independently serves as the primary point of contact for complex renewals, reviews, and portfolio monitoring activities.
- Review financial statements and credit requests, identify gaps or inconsistencies, and obtain additional information needed to support credit decisions.
- Build and manage facility renewals and reviews in nCino in preparation for underwriting and approval.
- Ensure accuracy, completeness, and organization of credit documentation within nCino, DocMan, and FileNet.
- Perform and validate Borrowing Entity PD Ratings and Obligation LGD Ratings in accordance with policy.
- Proactively monitor covenants and portfolio risks, identifying and escalating emerging issues or trends.
- Prepare pipeline, portfolio, and ad-hoc reporting for Credit Leadership and internal partners.
- Serve as an informal resource to Credit Administration Analysts by providing guidance and sharing best practices.
- Identify process improvement opportunities and escalate recommendations to leadership.
SUPERVISORY RESPONSIBILITY:
May provide informal guidance or mentoring to Credit Administration Analysts.
MINIMUM KNOWLEDGE, SKILLS, AND ABILITIES REQUIRED:
- Bachelor’s degree in accounting, finance, economics, or related field preferred.
- Minimum of three years of credit analysis, loan review, or credit administration experience, preferably in banking.
- Demonstrated ability to independently manage complex work and exercise sound judgment.
- Strong analytical, organizational, and communication skills.
- Proficiency in Microsoft Word and Excel; familiarity with nCino and internal systems preferred.
COMPENSATION:
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 or by consulting with your talent acquisition partner.
LOCATION:
Detroit, Michigan 48226
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.
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Who's Hiring
Top Industries Hiring
- Banking & Financial Services31
- Investment & Asset Management16
- Fintech5
- Education3
- Manufacturing3
Mid Level Credit Officer Jobs: Frequently Asked Questions
How do I get a mid level credit officer job?
Position your experience around credit decisions you owned, not tasks you supported. Highlight the complexity of deals or borrowers you analyzed, any process improvements you led, and results you can quantify, such as default rates or approval accuracy. Tailor your resume to show progression from execution to judgment, and apply to roles where the posting describes independent portfolio management rather than supervised analysis.
Which companies hire mid level credit officers?
Companies hiring mid level credit officers right now include JPMorganChase, Regions Bank, and Lpl Financial, based on current listings on Migrate Mate as of November 2026. Hiring at this level comes from regional and national banks, credit unions, commercial lenders, and specialty finance companies that need analysts who can manage accounts with limited oversight.
Are there remote mid level credit officer jobs?
Yes, though most roles still prefer on-site or hybrid arrangements given the collaboration and system access involved. About 24% of mid level credit officer openings are remote or hybrid as of November 2026, concentrated in larger financial institutions and fintech lenders that have invested in distributed underwriting workflows.
How do I move up to a mid level credit officer role?
Moving from entry level to mid level in credit means shifting from completing assigned analyses to owning outcomes. Build depth in a specific credit type, such as commercial, consumer, or real estate. Take on increasingly complex files, volunteer to mentor newer analysts, and document the measurable impact of your decisions. Demonstrating that you can manage a portfolio segment independently is what signals readiness for a mid level title.
Which industries hire the most mid level credit officers?
Mid Level credit officer roles concentrate in Banking & Financial Services, Investment & Asset Management, and Fintech, based on current listings on Migrate Mate as of November 2026. These sectors drive hiring at this level because they carry large and complex credit portfolios that require experienced analysts who can assess risk and make recommendations without constant supervision.