Small Business Credit Officer II

🔥 1 minute ago

🏈 Ohio – Remote

🏈 Ohio – Remote

💵 $71.1k - $145.9k / year

⏰ Full Time

🟢 Junior

🟡 Mid-level

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Fifth Third Bank

WebsiteLinkedInAll Job Openings

10,000+ employees

Founded 1858

🏦 Banking

Banking

Fifth Third Bank is a diversified financial services company offering a wide range of banking and financial products and services. It provides personal banking solutions such as checking and savings accounts, credit and debit cards, and identity theft protection. Borrowers can access various loans and mortgage options, while investors benefit from investment products like ETFs, mutual funds, and stocks. The bank also provides a robust set of services for businesses and commercial clients, including cash management, treasury management, and specialized lending solutions. Additionally, Fifth Third offers wealth management services with private banking, trust, and estate services. Customers can benefit from Fifth Third's online and mobile banking platforms, enabling them to bank anywhere at any time. Fifth Third Bank is focused on delivering seamless banking experiences with a strong emphasis on customer convenience and security.

📋 Description

• Review and decision small business loan applications for high dollar and complex loans. • Assist peers through the loan decision process, offering expertise on financial analysis and loan structuring. • Responsible for spreading financial statements based on information provided in the loan package. • Provide loan decisions and/or credit recommendations based on a review of all underwriting criteria. • Perform global cash flow and balance sheet analysis for small-business healthcare loans of up to $2 million. • Prepare a written evaluation of a borrower's financial condition and future outlook, identifying risks and mitigation. • Collaborate with the sales team in developing loan structures that meet customer needs and adhere to the organizations risk appetite. • Assist and mentor fellow team members in portfolio monitoring. • Identify opportunities and recommend solutions for process improvements and software development. • Effectively communicate loan decision to loan originator.

🎯 Requirements

• College degree in accounting, finance or economics is preferred. • Two+ years in underwriting, portfolio monitoring, or similar business loan analysis. • Basic knowledge of commercial lending and credit standards, policies, procedures, and products. • Must be proficient in basic software applications such as Microsoft Access, Word and Excel. • Familiarity with the Bank's internal applications is helpful. • Must be attentive to detail and possess excellent verbal and written communication and organizational skills.

🏖️ Benefits

• Health insurance • Retirement plans • Paid time off • Flexible work arrangements • Professional development