Small Business Credit Officer II

Small Business Credit Officer II

Review and make decisions on small business loan applications for high dollar and complex loans within a centralized environment. Provide expertise on financial analysis and loan structuring, assist peers and less experienced staff, and maintain accountability for risk by following policies and procedures.

• Spread financial statements based on information provided in the loan package.
• Provide loan decisions and/or credit recommendations based on review of underwriting criteria, including loan structure, collateral, interest rate, and fees.
• Perform global cash flow and balance sheet analysis for small-business healthcare loans of up to $2 million.
• Independently prepare a written evaluation of a borrower's financial condition and future outlook, identifying risks and mitigation.
• Collaborate with the sales team to develop loan structures that meet customer needs while adhering to 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 to help them develop risk management skills and knowledge.
• Effectively communicate loan decisions to loan originators.
• Identify and review all necessary due diligence items.
• Negotiate terms and conditions of loans with originators.

None.

• College degree in accounting, finance, or economics preferred.
• Minimum of two years experience in underwriting, portfolio monitoring, or similar business loan analysis.
• Basic knowledge of commercial lending and credit standards, policies, procedures, and products.
• Proficiency with Microsoft Access, Word, and Excel. Familiarity with the Bank’s internal applications is helpful.
• Strong attention to detail and excellent verbal and written communication and organizational skills.

Total base pay range: $71,100.00 - $ USD per year.

Eligible for an incentive compensation plan based on performance.

The role includes comprehensive benefits and differentiated compensation offerings to support physical, financial, emotional, and social well‑being. For more information, see the company’s benefits page.

Virtual, Ohio 00000.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.