Mid Level Retail Credit Analyst Jobs
Mid level retail credit analyst jobs go to analysts ready to own credit decisioning processes, mentor junior team members, and drive risk assessments with minimal supervision. Roles are concentrated across Banking & Financial Services, Fintech, and News & Publishing, with a mix of on-site, hybrid, and remote positions, and employers like JPMorganChase, Corpay, and Octus hiring 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 Services10
- Fintech3
- News & Publishing2
- Manufacturing1
- Investment & Asset Management1
Mid Level Retail Credit Analyst Jobs: Frequently Asked Questions
How do I get a mid level retail credit analyst job?
Position your experience around ownership, not just execution. Highlight credit portfolio analysis you led, risk models you built or improved, and decisions you made independently. Employers at this level want analysts who can interpret data, write up recommendations, and present findings to stakeholders. Tailor your resume to show measurable outcomes, such as reduced delinquency rates or improved approval accuracy, and make your analytical tools expertise prominent.
Which companies hire mid level retail credit analysts?
Companies hiring mid level retail credit analysts right now include JPMorganChase, Corpay, and Octus, based on current listings on Migrate Mate as of November 2026. Hiring at this level comes from a mix of large retail banks, consumer lenders, specialty finance companies, and retail corporations with in-house credit operations managing installment or revolving credit products.
Are there remote mid level retail credit analyst jobs?
Yes, though availability varies by employer and role type. About 36% of mid level retail credit analyst openings are remote or hybrid as of November 2026, reflecting the data-centric nature of credit analysis work. Roles involving direct collaboration with underwriting teams or branch-level credit decisions are more likely to require on-site presence.
How do I move up to a mid level retail credit analyst role?
Moving from entry level to mid level means shifting from executing assigned tasks to owning a piece of the credit process. Build depth in credit risk modeling, portfolio monitoring, and regulatory compliance. Take on projects that require independent judgment, document the outcomes, and seek feedback on your decision-making. Demonstrating that you can manage workload, communicate findings clearly, and mentor newer analysts signals readiness for mid level responsibilities.
Which industries hire the most mid level retail credit analysts?
Mid Level retail credit analyst roles concentrate in Banking & Financial Services, Fintech, and News & Publishing, based on current listings on Migrate Mate as of November 2026. These sectors drive hiring because they manage large consumer credit portfolios that require ongoing risk assessment, loss forecasting, and compliance oversight at a level that demands experienced, independent analysts.