Credit Analyst

 Mike Dillon

 1608 West Belmar Place

 Cincinnati, OH 45224






A Financial Services Professional seeking opportunities in Credit, Policy, or Risk operations as an Analyst   



 An experienced Banker recognized for coaching and problem solving.  Known for communication of clear

 decisions and viable options to meet or exceed customer needs.  Excelled as a Senior Credit Analyst with

 experience in underwriting all products within the Consumer Lending Portfolio for the nation’s largest

 regional bank with $111 billion in assets. 

 Specialized expertise in:


  • Financial Analysis
  • Organizational Development  
  • Credit Analysis
  • Pipeline Management  
  • Creative Structuring
  • Collateral Valuation   
  • Policy/Risk Review 
  • Product Marketing  
  • Process Improvement  
  • Customer Service




Fifth Third Bank, Cincinnati, OH                                                                                                                1999 - 2013

 Credit Analyst/Underwriter II, Consumer Direct Lending   2002-2013

 Responsible for underwriting customer application requests for various loan products within the Consumer

 lending area of the bank


  • Managed 33% of  Bancorp loan applications in the pipeline for multiple secured and unsecured loan products in the underwriting area (processed an average of 80 applications per business day)
  • Developed business relationships with customers to achieve mutual goals across a 10 state region
  • Coached bankers from 11 affiliates regarding loan products, applicant attributes, and creative structure (approximately 75% of counter offers were accepted by the customer)  
  • Assisted to create and implement process improvements on focused teams on multiple occasions
  • Maintained a loan portfolio of greater than $15 million with less than .25% delinquency    
  • Trained  25 underwriters and assistants on product and  processing system  as directed by management   
  • Delegated prioritized tasks to  assistant underwriter to achieve maximum and efficient results
  • Awarded four “Spirit of the Pin” Designations and multiple other recognitions for actions exceeding expectations


Mike Dillon, (513)507-1493                                                                                       Page 2  


 Fifth Third Bank, Cincinnati, OH                                                 

 Credit Analyst, Underwriter I, Indirect Lending   1999-2002

 Responsible for underwriting customer application requests for automobile loan purchase through 45 assigned

 automotive dealers  

  •  Managed underwriting and purchase of loan products through 75 automotive dealers
  • Negotiated terms of agreements to the satisfaction of dealers and borrowers  
  • Built rapport  with automotive dealers via phone and personal store visits nationally
  • Maintained and communicated monthly reports of placed business to increase sales and assist assigned dealers in meeting bonus incentive goals
  • Assisted Field Agents to educate dealers regarding our program attributes




University of Louisville (Louisville, KY)

 Bachelor of Arts, Economics


National Mortgage Licensing System (NMLS)

 Lender Certification  




Coach and Board Member, North Hills Baseball (Knothole)

 Member, Hyde Park Job Search Focus Group Orientation Team  

 President, North College Hill Baseball Association (Community Youth Organization)

 Member, St. Xavier High School Alumni Association

 Member, University of Louisville Alumni Association





  • ID#: 78384
  • Location: Cincinnati, OH , 45224

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