Small Business Credit Officer II – SBA

🔥 0 minutes ago

🏈 Ohio – Remote

🏈 Ohio – Remote

💵 $71.1k - $145.9k / year

⏰ Full Time

🟢 Junior

🟡 Mid-level

🚫👨‍🎓 No degree required

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 0%

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Fifth Third Bank

WebsiteLinkedInAll Job Openings

10,000+ employees

Founded 1858

🛡️ Insurance

💼 Consulting

📦 Logistics

Insurance • Consulting • Logistics

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 in a centralized environment for high-dollar and complex loans • Assist peers and less experienced colleagues through the loan decision process • Spread financial statements based on loan package information • Provide loan decisions and/or credit recommendations based on underwriting criteria, loan structure, collateral, interest rate and fees • Perform global cash flow and balance sheet analysis for small-business healthcare loans up to $2 million • Prepare written evaluations of borrowers' financial condition and future outlook, identifying risks and mitigation • Collaborate with the sales team to develop loan structures meeting customer needs and the organization's risk appetite • Assist and mentor fellow team members in portfolio monitoring • Identify opportunities and recommend solutions for process improvements and software development • Mentor credit analysts in risk management skills and knowledge • Communicate loan decisions to loan originators • Identify and review necessary due diligence items • Negotiate loan terms and conditions with originators • Perform miscellaneous duties as assigned

🎯 Requirements

• College degree in accounting, finance or economics is preferred • Two+ years in underwriting, portfolio monitoring, or similar business loan analysis • SBA knowledge preferred • Basic knowledge of commercial lending and credit standards, policies, procedures, and products • Proficiency in Microsoft Access, Word and Excel • Familiarity with the Bank's internal applications is helpful • Attention to detail • Excellent verbal and written communication skills • Organizational skills

🏖️ Benefits

• Incentive compensation plan based on company, line of business and/or individual performance • Comprehensive benefits programs supporting physical, financial, emotional and social well-being • Equal employment opportunity and inclusive culture