OPT Credit Analyst Jobs
Credit Analyst roles qualify for OPT work authorization under finance, economics, or business degrees. Most positions involve financial modeling, loan underwriting, or risk assessment, which align well with STEM-adjacent quantitative coursework. Banks, credit unions, and fintech companies regularly sponsor H-1B visas for this role, making it a strong long-term fit.
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Get Access To All JobsINTRODUCTION
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 Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a successful Credit Analyst II will be able to draft documents and prepare for credit reviews with limited support from the Portfolio Managers. The Credit Analyst II is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.
The Credit Analyst II is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight. Additionally, the Credit Analyst II 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:
- Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed
- Use critical thinking to identify and draft documentation
- Responsible for regularly completing indicative credit information into Banking Systems with little to no errors
- Responsible for preparing risk-rating scorecard and tickler event analysis and determining actions based on results working in collaboration with PM's
- Responsible for developing risk models and advising PMs of unforeseen obstacles that may impede meeting client expectations
- 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 assessing covenant compliance reporting and identifying issues
- Review covenant compliance certificates to understand performance and determine actions
- Update financial covenants and calculations as needed
- Run Probability of Default (PD) model with oversight
- 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
- Prepares ALSR reports with oversight
- Responsible for running risk and projection models with oversight assumptions provided
- Responsible for completing underwriting process with limited oversight
- Create and complete a CAM with little to no errors
- Review and re-write renewals for deals of limited complexity
- Responsible for portfolio analysis and the development for Portfolio Reviews in preparation for client meetings
- Support Portfolio Managers and special projects
- Takes appropriate remedial actions to resolve deficiencies and escalates questions/disputes to appropriate level when necessary
- May assist with training of new employees
- May work on special projects as assigned by management
SUPERVISORY RESPONSIBILITIES: None
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
- Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)
- 2+ years of Commercial Banking/Commercial Credit Analysis 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
- Knowledge of the local or regional market preferred, but not required
- Proficiency in internal banking applications
- Strong verbal and written communication skills
- Demonstrated expertise in using effective problem solving and analytical skills with ability to handle and prioritize multiple tasks
- Proficient in all Microsoft Office software
WORKING CONDITIONS:
- Normal office environment with little exposure to dust, noise, temperature and the like
- Minimal travel required
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
Charlotte, North Carolina 28202
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.
INTRODUCTION
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 Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a successful Credit Analyst II will be able to draft documents and prepare for credit reviews with limited support from the Portfolio Managers. The Credit Analyst II is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.
The Credit Analyst II is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight. Additionally, the Credit Analyst II 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:
- Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed
- Use critical thinking to identify and draft documentation
- Responsible for regularly completing indicative credit information into Banking Systems with little to no errors
- Responsible for preparing risk-rating scorecard and tickler event analysis and determining actions based on results working in collaboration with PM's
- Responsible for developing risk models and advising PMs of unforeseen obstacles that may impede meeting client expectations
- 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 assessing covenant compliance reporting and identifying issues
- Review covenant compliance certificates to understand performance and determine actions
- Update financial covenants and calculations as needed
- Run Probability of Default (PD) model with oversight
- 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
- Prepares ALSR reports with oversight
- Responsible for running risk and projection models with oversight assumptions provided
- Responsible for completing underwriting process with limited oversight
- Create and complete a CAM with little to no errors
- Review and re-write renewals for deals of limited complexity
- Responsible for portfolio analysis and the development for Portfolio Reviews in preparation for client meetings
- Support Portfolio Managers and special projects
- Takes appropriate remedial actions to resolve deficiencies and escalates questions/disputes to appropriate level when necessary
- May assist with training of new employees
- May work on special projects as assigned by management
SUPERVISORY RESPONSIBILITIES: None
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
- Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)
- 2+ years of Commercial Banking/Commercial Credit Analysis 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
- Knowledge of the local or regional market preferred, but not required
- Proficiency in internal banking applications
- Strong verbal and written communication skills
- Demonstrated expertise in using effective problem solving and analytical skills with ability to handle and prioritize multiple tasks
- Proficient in all Microsoft Office software
WORKING CONDITIONS:
- Normal office environment with little exposure to dust, noise, temperature and the like
- Minimal travel required
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
Charlotte, North Carolina 28202
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 224+ OPT Credit Analyst Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new OPT Credit Analyst Jobs.
Get Access To All JobsTips for Finding OPT Sponsorship as a Credit Analyst
Target employers with a history of H-1B sponsorship
Banks and financial institutions that regularly file H-1B petitions are your best long-term bet. Search OFLC disclosure data to verify which employers have sponsored Credit Analyst roles before accepting OPT positions with them.
Highlight quantitative skills in your application
Credit Analyst roles are data-intensive. Emphasize financial modeling, Excel proficiency, SQL, or Python experience in your resume. Employers see strong technical skills as justification for investing in visa sponsorship for international candidates.
Pursue CFA Level 1 or relevant certifications early
The CFA credential signals serious commitment to finance. Many employers view it as a differentiator when evaluating OPT candidates for sponsorship. Starting Level 1 during your OPT period strengthens both your candidacy and long-term retention case.
Be transparent about your OPT timeline upfront
Disclose your OPT end date early in the hiring process. Employers need time to file H-1B petitions before your authorization expires. Surprises late in the process reduce your chances of a smooth transition to sponsored status.
Focus on mid-size banks and credit-focused fintech firms
Large banks have established sponsorship pipelines, but mid-size regional banks and fintech lenders often have urgent hiring needs and less competition from domestic candidates, making them more willing to sponsor qualified OPT Credit Analysts.
Document your degree-to-role connection clearly
H-1B sponsorship for Credit Analysts requires demonstrating specialty occupation status. Your finance, economics, or accounting degree must clearly map to the job duties. Prepare a concise explanation of that connection before interviews.
Credit Analyst OPT: Frequently Asked Questions
Can I work as a Credit Analyst on OPT?
Yes. Credit Analyst roles qualify for OPT work authorization as long as the position is directly related to your degree field, typically finance, economics, accounting, or a related quantitative discipline. Your employer does not need to file any paperwork with USCIS for standard OPT, though you must keep your DSO updated on your employment details and report the job within 10 days of starting.
Do Credit Analyst jobs qualify for STEM OPT extension?
It depends on your degree, not the job title. If you graduated from a STEM-designated program such as financial engineering, applied mathematics, or data science, you may qualify for a 24-month STEM OPT extension. A standard finance or economics degree typically does not carry a STEM designation, giving you only 12 months of standard OPT. Confirm your program's CIP code with your DSO before planning your timeline.
Which employers sponsor H-1B visas for Credit Analyst roles?
Banks, credit unions, insurance companies, and fintech lenders are the most active H-1B sponsors for Credit Analyst positions. Large institutions like JPMorgan Chase, Wells Fargo, and Bank of America have established sponsorship programs, but regional banks and fintech firms often have urgent demand and less competitive applicant pools. Browse Credit Analyst roles on Migrate Mate to identify employers with active OPT-friendly hiring.
What should I do if my OPT is expiring before H-1B approval?
If your employer files your H-1B petition by April 1 for an October 1 start date, and you have a timely filed receipt notice, you can use the cap-gap provision to continue working without interruption. This automatically extends your OPT authorization through September 30. If you are on STEM OPT, you have additional buffer time. Work with your employer's immigration attorney as early as possible, ideally six months before your OPT end date.
How do I explain my OPT status to a Credit Analyst hiring manager?
Be direct and prepared. State your OPT end date, clarify whether you are eligible for a STEM extension, and briefly explain the H-1B timeline so the employer understands what sponsorship involves. Hiring managers in banking are generally familiar with international candidates. Framing it as a structured, well-understood process rather than an uncertainty makes the conversation easier and signals that you have done your homework.