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Small Business Credit Officer II – SBA
Fifth Third Bank. Review and decision small business loan applications in a centralized environment for high-dollar and complex loans .
Posted 10/2/2026full-timeRemote • Ohio • United StatesJuniorMid-Level💰 $71,100 - $145,900 per yearWebsite
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in small business loan underwriting and financial analysis, with a strong focus on risk management and collaboration with sales teams to tailor loan structures. Proficient in evaluating borrowers' financial conditions and providing credit recommendations based on comprehensive analysis.
Highest-signal resume keywords
Underwriting ExperienceFinancial Statement AnalysisRisk Management SkillsMicrosoft Excel ProficiencySBA Knowledge
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Loan Decision MakingGlobal Cash Flow AnalysisBalance Sheet AnalysisCredit RecommendationsPortfolio Monitoring
Soft Skills
Attention to DetailExcellent Communication SkillsOrganizational SkillsMentoring Skills
Tools & Technologies
Microsoft AccessMicrosoft WordBank's Internal Applications
Industry Keywords
Commercial LendingCredit StandardsLoan StructureDue DiligenceProcess Improvement
About the role
Key responsibilities & impact- Review and decision small business loan applications in a centralized environment for high-dollar and complex loans
- Assist peers and less experienced colleagues through the loan decision process
- Spread financial statements based on loan package information
- Provide loan decisions and/or credit recommendations based on underwriting criteria, loan structure, collateral, interest rate and fees
- Perform global cash flow and balance sheet analysis for small-business healthcare loans up to $2 million
- Prepare written evaluations of borrowers' financial condition and future outlook, identifying risks and mitigation
- Collaborate with the sales team to develop loan structures meeting customer needs and 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 in risk management skills and knowledge
- Communicate loan decisions to loan originators
- Identify and review necessary due diligence items
- Negotiate loan terms and conditions with originators
- Perform miscellaneous duties as assigned
Requirements
What you’ll need- 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
- Proficiency in Microsoft Access, Word and Excel
- Familiarity with the Bank's internal applications is helpful
- Attention to detail
- Excellent verbal and written communication skills
- Organizational skills
Benefits
Comp & perks- Incentive compensation plan based on company, line of business and/or individual performance
- Comprehensive benefits programs supporting physical, financial, emotional and social well-being
- Equal employment opportunity and inclusive culture