Small Business Credit Officer II
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Job Description
Loan officer reviewing and deciding on complex small business loans at Fifth Third Bank. Providing financial analysis and mentoring peers in the loan decision process.
Responsibilities:
- 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
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