Senior Small Business Credit Underwriter

Fifth Third; North Olmsted (OH); Hybrid; USD 71,000 - 146,000; Full time

Job summary

Fifth Third is seeking a Small Business Credit Officer II to review and decide small business loan applications in a centralized environment. You will provide credit recommendations, analyze cash flows and balance sheets, and prepare formal evaluations of borrower financial condition.

The role requires underwriting experience, knowledge of SBA processes, and collaboration with the sales team to structure loans while adhering to risk policies.

Qualifications

• 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.

Responsibilities

• Spread financial statements based on loan package.
• Provide loan decisions and/or credit recommendations.
• Perform global cash flow and balance sheet analysis for SBA healthcare loans up to $2 million.
• Prepare written evaluation of borrower's financial condition and outlook.
• Collaborate with sales team to develop loan structures meeting customer needs.
• Mentor credit analysts to develop risk management skills.
• Negotiate terms & conditions of loan with originator.

Skills

Underwriting

Credit analysis

Financial analysis

Excel

Attention to detail

Education

Bachelor’s degree in accounting, finance or economics

Tools

Microsoft Access

Microsoft Word

Microsoft Excel

Job description

Fifth Third is seeking a Small Business Credit Officer II to review and decide small business loan applications in a centralized environment. You will provide credit recommendations, analyze cash flows and balance sheets, and prepare formal evaluations of borrower financial condition.

The role requires underwriting experience, knowledge of SBA processes, and collaboration with the sales team to structure loans while adhering to risk policies.