Small Business Credit Officer II – SBA
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Job Description
Small Business Credit Officer reviewing complex SBA and healthcare business loans for Fifth Third Bank. Analyzing borrower finances, structuring credit, and mentoring analysts.
Responsibilities:
- 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
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