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GENERAL FUNCTION:

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 loans of up to $2 million.

• Analyze global cash flow and balance sheets for SBA loans of up to $5 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 organizations 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.
• Effectively communicate loan decision to loan originator.
• Negotiate terms & conditions of loan with originator.
• Miscellaneous job duties as assigned.

SUPERVISORY RESPONSIBILITIES:

None.

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

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

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner. 

Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting.  Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third.  Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

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.