Credit Officer II – SBA

Fifth Third Bank

. Review and decision small business loan applications in a centralized environment for complex loans .

Posted 10/6/2026full-timeRemote • Ohio • United StatesJuniorMid-Level💰 $71,100 - $145,900 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in underwriting and loan analysis, with a strong focus on risk assessment and financial evaluation. Proficient in collaborating with sales teams to structure loans that align with customer needs and organizational risk appetites.

Highest-signal resume keywords

Underwriting ExperienceLoan Decision MakingFinancial Statement AnalysisRisk ManagementMicrosoft Office Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Loan Application ReviewCredit RecommendationsFinancial AnalysisSBA Loan AnalysisDue DiligenceLoan NegotiationPortfolio MonitoringProcess ImprovementCredit Standards KnowledgeCommercial Lending Knowledge

Soft Skills

Attention to DetailOrganizational SkillsVerbal CommunicationWritten CommunicationMentoring

Industry Keywords

Small Business LoansRisk AppetiteLoan StructuresFinancial ConditionsCash Flow AnalysisBalance Sheet AnalysisCredit PoliciesLoan TermsLoan OriginatorsFinancial Outlooks

About the role

Key responsibilities & impact

Review and decision small business loan applications in a centralized environment for complex loans
Provide loan decisions and/or credit recommendations based on all underwriting criteria
Collaborate with the Sales team to develop loan structures meeting customer needs and organizational risk appetite
Assist and mentor teammates through the loan decision process
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 loan terms and conditions with loan originators and communicate loan decisions
Identify, assess, manage, monitor, and report risks while operating within Provide and Fifth Third Bank risk appetites

Requirements

What you’ll need

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
Degree in accounting, finance or economics is a bonus

Benefits

Comp & perks

Incentive compensation plan eligibility based on company, line of business and/or individual performance
Comprehensive benefits supporting physical, financial, emotional and social well-being