Senior SMB Credit Officer — SBA Loan Structuring

Fifth Third; Kentucky; Híbrido; USD 71 000 - 146 000; Tempo integral

Resumo da oferta

Fifth Third Bank is seeking a Credit Officer II for SBA small business loans in a virtual environment. You will review financials, provide credit decisions, and structure loans up to $2 million, while mentoring analysts and collaborating with sales to meet customer needs.

The role requires experience in underwriting, financial analysis, and knowledge of SBA lending; strong communication and detail orientation are essential, with base pay described and incentive options discussed.

Qualificações

• 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.
• Must be proficient in basic software applications such as Microsoft Access, Word and Excel.
• Familiarity with the Bank's internal applications is helpful.
• Must be attentive to detail and possess excellent verbal and written communication and organizational skills.

Responsabilidades

• Spread financial statements based on loan package.
• Provide loan decisions and/or credit recommendations based on underwriting criteria.
• Perform global cash flow and balance sheet analysis for small-business healthcare loans up to $2 million.
• Independently prepare a written evaluation of a borrower's financial condition and future outlook, identifying risks and mitigation.
• Collaborate with sales team in developing loan structures that meet customer needs and risk appetite.
• Mentor credit analysts to develop risk-management skills.
• Identify opportunities and recommend solutions for process improvements and software development.
• Negotiate terms & conditions of loan with originator.
• Communicate loan decisions to loan originator.

Conhecimentos

Underwriting experience

Portfolio monitoring

Financial analysis

Microsoft Excel

Microsoft Word

Microsoft Access

Formação académica

Bachelor’s degree in accounting/finance/economics

Ferramentas

Microsoft Access

Microsoft Word

Microsoft Excel

Descrição da oferta de emprego

Fifth Third Bank is seeking a Credit Officer II for SBA small business loans in a virtual environment. You will review financials, provide credit decisions, and structure loans up to $2 million, while mentoring analysts and collaborating with sales to meet customer needs.

The role requires experience in underwriting, financial analysis, and knowledge of SBA lending; strong communication and detail orientation are essential, with base pay described and incentive options discussed.