SBA Credit Officer II - Loan Decisions & Risk Analysis

Fifth Third Bank; Columbus (OH); On-site; USD 70,000 - 100,000; Full time

Job summary

Fifth Third Bank in Columbus, OH seeks a Credit Officer II - SBA to evaluate complex loan packages and provide thoughtful credit recommendations. The role involves cash flow analysis, structuring loans, and mentoring junior analysts in risk practices.

You will work with commercial teams to ensure compliance with policies while delivering strong customer outcomes for SBA and traditional small-business lending.

Qualifications

• Two+ years in underwriting, portfolio monitoring, or similar business loan analysis.
• SBA experience preferred.
• Basic knowledge of commercial lending and credit standards, policies, procedures, and products.

Responsibilities

• Spread financial statements based on loan package information.
• Provide loan decisions and/or credit recommendations based on underwriting criteria.
• Perform cash flow and balance sheet analysis for small-business loans up to $2 million.
• Analyze cash flow and balance sheets for SBA loans up to $5 million.
• Prepare a written evaluation of borrower's financial condition and outlook, identifying risks.
• Collaborate with sales team on loan structures meeting customer needs and risk appetite.
• Mentor credit analysts to develop risk management skills.
• Identify opportunities for process improvements and software development.
• Communicate loan decisions to originator.
• Review all necessary due diligence items.
• Negotiate terms and conditions of loan with originator.

Skills

Underwriting

Portfolio monitoring

SBA experience

Education

College degree in accounting, finance or economics

Tools

Microsoft Access

Word

Excel

Job description

Fifth Third Bank in Columbus, OH seeks a Credit Officer II - SBA to evaluate complex loan packages and provide thoughtful credit recommendations. The role involves cash flow analysis, structuring loans, and mentoring junior analysts in risk practices.

You will work with commercial teams to ensure compliance with policies while delivering strong customer outcomes for SBA and traditional small-business lending.