Credit Officer II - SBA

Fifth Third; Ohio; Hybrid; USD 71,000 - 146,000; Full time

Benefits offered by this job

Incentive plan

Comprehensive benefits

Job summary

Fifth Third Bank’s Provide credit team seeks a Credit Officer II to review and decision SBA loan applications in a centralized environment for complex loans, up to $5 million. You will analyze financial statements, assess risk, and recommend loan structures aligned with risk appetite while guiding junior staff.

You will collaborate with Sales to tailor loan terms, ensure thorough due diligence, and support process improvements, with a focus on consistent risk management and strong customer

Qualifications

• At least two years of underwriting, portfolio monitoring, or similar business loan analysis.
• ,
• Strong attention to detail and organizational skills.
• Proficiency in Microsoft Office applications.

Responsibilities

• Spread financial statements based on loan package.
• Analyze global cash flow and balance sheets for SBA loans up to $5 million.
• Prepare written evaluations of customers’ financial conditions and future outlooks, identifying risks and mitigation.
• Assist and mentor fellow team members in Credit and Portfolio Monitoring.
• Identify opportunities and recommend solutions for process improvements and software development.
• Identify and review all necessary due diligence items.
• Negotiate terms and conditions of loans with loan originators and effectively communicate loan decisions.

Skills

Underwriting

Portfolio monitoring

Financial analysis

Communication

Education

Bachelor's degree in accounting, finance or economics

Tools

MS Office

Job description

## Credit Officer II - SBAApply: Virtual: Full time: Posted Today: End Date: October 23, 2026 (27 days left to apply): R73349**Make banking a Fifth Third better** We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.**About Provide:**Powered by Fifth Third Bank, Provide empowers entrepreneurs to build their legacies. As a leader in tech-enabled financial services for aspiring and established small business owners, Provide offers an unmatched combination of industry expertise, personalized service, and customized financial products — enabling entrepreneurs to achieve their ownership dreams, realize financial independence, and strengthen their communities. Founded in a one-bedroom San Francisco apartment in 2013, Provide was acquired by Fifth Third in 2021, and in 2023, was named one of *Fast Company*’s Most Innovative Companies. Learn more at getprovide.com, and join the conversation on LinkedIn, Instagram, and TikTok.**Our team is growing:**Provide’s Credit team is looking for a bold, compassionate, and focused Credit Officer II to review and decision small business loan applications in a centralized environment for complex loans. In this role, you will focus on providing loan decisions and/or credit recommendations based on all underwriting criteria, collaborating with the Sales team to develop loan structures that meet the needs of the customer and adhere to the organization’s risk appetite, and assisting and mentoring teammates through the loan decision process.As a Provide and Fifth Third Bank team member, you will be responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. You will be accountable for always doing the right thing for customers and colleagues and ensuring that actions and behaviors drive a positive customer experience. While operating within the risk appetites of Provide and Fifth Third Bank, you will be expected to achieve results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.**A day in the life:*** Spread financial statements based on information provided in the loan package* Analyze global cash flow and balance sheets for SBA loans of up to $5 million* Prepare written evaluations of customers’ financial conditions and future outlooks, identifying risks and mitigation* Assist and mentor fellow team members in Credit and Portfolio Monitoring* Identify opportunities and recommend solutions for process improvements and software development* Identify and review all necessary due diligence items* Negotiate terms and conditions of loans with loan originators and effectively communicate loan decisions**Our newest teammate will have:*** At least two (2) years of experience in underwriting, portfolio monitoring, or similar business loan analysis* Basic knowledge of commercial lending and credit standards, policies, procedures, and products* Strong attention to detail and organizational skills* Ability to clearly communicate concepts verbally and in writing* Proficiency in all Microsoft Office applications**Bonus points for:*** Degree in accounting, finance or economics* Familiarity with Fifth Third’s internal applicationsCredit Officer II - SBATotal Base Pay Range 71,100.00 - 145,900.00 USD AnnualAt Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner. LOCATION -- Virtual, Ohio 00000Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.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.