Jennifer Rosenberg, SVP and Senior Credit Risk Officer at Fifth Third Bank, has implemented quarterly portfolio reviews to improve forecasting and refine risk appetite. These reviews bring together credit, sales and other teams to discuss credit trends, emerging risks and broader bank strategy. This collaborative approach, which gives underwriters a valuable perspective, is key to making better decisions. Rosenberg also led the redesign of the bank’s Loss Given Default (LGD) model to reflect historical performance and incorporate automation. This has enhanced efficiency, accuracy and reliability. Data is foundational to her underwriting philosophy, with portfolio data being analyzed to uncover trends and patterns. Additionally, technology like Copilot is used to summarize documents and help the team focus on high-value analysis.
