Small Business Credit Officer II

This is a fully remote position, open to applicants in Ohio.

📋 Description

• Evaluate and make decisions on small business loan applications for significant and intricate loans.

• Support colleagues throughout the loan decision-making process by providing expertise in financial analysis and loan structuring.

• Accountable for analyzing financial statements based on data included in the loan package.

• Deliver loan decisions and/or credit recommendations after assessing all underwriting criteria.

• Conduct global cash flow and balance sheet analyses for small-business healthcare loans up to $2 million.

• Prepare a comprehensive written assessment of a borrower's financial health and future prospects, highlighting risks and their mitigation strategies.

• Work alongside the sales team to create loan structures that fulfill customer requirements while adhering to the organization's risk appetite.

• Mentor and assist fellow team members in monitoring the loan portfolio.

• Identify opportunities for process enhancements and suggest solutions for software development.

• Clearly communicate loan decisions to loan originators.

⛳️ Requirements

• A college degree in accounting, finance, or economics is preferred.

• Over two years of experience in underwriting, portfolio monitoring, or a related field of business loan analysis.

• Fundamental understanding of commercial lending, credit standards, policies, procedures, and products.

• Proficiency in essential software applications such as Microsoft Access, Word, and Excel.

• Familiarity with the Bank's internal applications is advantageous.

• Must demonstrate attention to detail and possess exceptional verbal, written communication, and organizational skills.

🏝️ Benefits

• Health insurance

• Retirement plans

• Paid time off

• Flexible work arrangements

• Professional development