Small Business Credit Officer II

Role Description

Review and decision small business loan applications, in a centralized environment, for high dollar and complex loans. Assist peers and those less experienced through the loan decision process, offering expertise on financial analysis and loan structuring.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

Essential Duties and Responsibilities

• Responsible for spreading financial statements based on information provided in the loan package.
• Provide loan decisions and/or credit recommendations based on a review of all 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.
• Independently collaborate with the sales team in developing loan structures that meet the needs of the customer and adhere 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 decision to loan originator.
• Identify and review all necessary due diligence items.
• Negotiate terms & conditions of loan with originator.
• Miscellaneous job duties as assigned.

Qualifications

• College degree in accounting, finance or economics is preferred.
• Two+ years in underwriting, portfolio monitoring, or similar business loan analysis.
• 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.

Requirements

• Small Business Credit Officer II
• Total Base Pay Range 71,100.00 - 145,900.00 USD Annual

Benefits

• Comprehensive benefits programs designed to support the individual needs of employees and their families, encompassing physical, financial, emotional and social well-being.
• Eligible to participate in an incentive compensation plan, based upon company, line of business and/or individual performance.

Company Description

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.