Green Card Commercial Analyst Jobs
Commercial Analyst roles qualify for EB-2 and EB-3 green card sponsorship when the position requires a bachelor's degree or higher in business, finance, economics, or a related field. Employers file a PERM labor certification with DOL before sponsoring you for permanent residency, making sponsorship a long-term commitment from both sides.
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GENERAL FUNCTION:
The Credit Analyst is primarily responsible for completing the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a Credit Analyst drafts credit approval documents and review memos for loans and other ancillary products. The Credit Analyst is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.
The Credit Analyst is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight on increasingly complex credits. Additionally, the Credit Analyst will attend and support Portfolio Reviews as needed.
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:
- Responsible for proactively monitoring Credit Excellence and initiating collection of financial statements for upcoming renewals and periodic reviews.
- Prepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions.
- Complete ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and run risk rating models.
- Identify and determine monitoring analysis activities required.
- Verify covenants and define updates needed on ticklers.
- Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action.
- Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team to identify and resolve required edits or corrections.
- Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationship managers and others as needed.
- Prepare Criticized Period Reviews reports with oversight.
- Responsible for running projection models with assumptions provided.
- Responsible for completing underwriting process with limited oversight.
- Prepares portfolio analysis and Portfolio Review materials.
- Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports.
- Take appropriate action to resolve data, documentation, or analysis deficiencies and escalate questions to the appropriate level.
- Identify emerging risks or negative trends and escalate appropriately.
- Maintain a working knowledge of Bancorp credit policies, guidelines and procedures.
- Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.
- May assist with training and onboarding of new employees.
- May support special projects or ad hoc analysis as assigned by management.
SUPERVISORY RESPONSIBILITY:
None
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
- Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting).
- 2+ years of Commercial Banking experience.
- Sound Financial and risk analysis understanding, including the ability to develop financial models.
- Extensive Knowledge of banking products and services.
- Knowledge of corporate business structure and legal documents.
- General knowledge of U.S. government and regulation.
- Proficiency in internal banking applications.
- Strong verbal and written communication skills.
- Demonstrated strong problem-solving and analytical skills, with the ability to manage and prioritize multiple tasks while maintaining close attention to detail.
- Proficient in all Microsoft Office software.
Commercial Credit Analyst
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 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.
See all 163+ Green Card Commercial Analyst Jobs
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Get Access To All JobsTips for Finding Green Card Sponsorship as a Commercial Analyst
Translate your credentials into PERM language
PERM requires your degree field to match the job's minimum requirements. A finance or economics degree maps cleanly to Commercial Analyst roles, but a general business degree may need supporting course transcripts to satisfy the DOL's specialty occupation audit.
Target employers with PERM filing history
Search DOL's PERM disclosure data to find companies that have filed labor certifications for analyst roles in your target industry. Employers with prior PERM experience move faster and make fewer procedural errors that delay your case.
Use Migrate Mate to filter sponsoring employers
Filter your Commercial Analyst job search on Migrate Mate to surface employers with active green card sponsorship history. This removes the guesswork of asking employers cold whether they sponsor and focuses your applications where sponsorship is already established.
Clarify the EB-2 versus EB-3 tier before signing
Employers decide which category to file under, and that choice affects your priority date queue. If you hold a master's degree or equivalent credentials, confirm your employer intends to file EB-2 rather than defaulting to EB-3, which can mean a longer wait for nationals of backlogged countries.
Negotiate PERM timing into your offer discussion
PERM filing can start as soon as you join, but some employers wait six to twelve months. Ask during the offer stage when the company typically initiates the labor certification so you're not waiting years before the process even begins.
Understand how the prevailing wage affects your title
USCIS and DOL use the OFLC Wage Search to set the prevailing wage for your specific job title and location. If your employer posts the role at a lower wage level to satisfy PERM, your job duties must still match that level or the application risks audit or denial.
Green Card Commercial Analyst: Frequently Asked Questions
Does a Commercial Analyst role qualify for EB-2 or EB-3 green card sponsorship?
Commercial Analyst positions typically qualify for EB-3 when they require a bachelor's degree in business, finance, or economics, and for EB-2 when the employer documents that the role requires an advanced degree or when you have a master's degree and the position's complexity supports that classification. Your employer's HR and immigration counsel determine which category to file under based on the actual job duties and your credentials.
How does green card sponsorship differ from H-1B sponsorship for a Commercial Analyst?
H-1B visa is a temporary work visa subject to an annual lottery and a six-year cap, while EB-2 and EB-3 green card sponsorship leads to permanent residency with no annual cap on petitions. The tradeoff is timeline: PERM labor certification alone takes six to eighteen months before USCIS even reviews the I-140 petition, and priority date queues add years for nationals of high-demand countries. Green card sponsorship is a longer process but a permanent outcome.
What does the PERM labor certification process involve for a Commercial Analyst employer?
The employer must conduct a supervised recruitment process to demonstrate no qualified U.S. workers were available for the Commercial Analyst role at the offered wage. DOL reviews the recruitment results and certifies or audits the application. If audited, the employer must produce detailed hiring records. Certification typically takes six to eighteen months, after which the employer files the I-140 immigrant petition with USCIS.
How do I find Commercial Analyst jobs where the employer will sponsor a green card?
Most job postings don't specify green card sponsorship upfront, which makes it hard to filter manually. Migrate Mate lets you search Commercial Analyst roles filtered by employers with documented green card sponsorship history, so you can focus your applications on companies that have already committed to the PERM process for similar roles rather than asking employers cold during interviews.
Can I switch employers after my green card sponsorship process has started?
Once your I-140 petition is approved and your priority date is current or within 180 days of becoming current, AC21 portability allows you to move to a different employer in the same or a similar occupational category without losing your place in the queue. Before that point, switching employers typically means restarting the PERM process from the beginning with your new company.