Small Business Credit Officer II – SBA

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

📋 Description

• Assess and make decisions on small business loan applications in a centralized setting for high-value and complex loans.

• Support colleagues and less seasoned team members throughout the loan decision-making process.

• Analyze financial statements based on the information provided in loan packages.

• Deliver loan decisions and/or credit recommendations informed by underwriting criteria, loan structure, collateral, interest rates, and fees.

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

• Draft written evaluations of borrowers' financial statuses and future projections, highlighting risks and mitigation strategies.

• Partner with the sales team to create loan structures that align with customer needs and the organization's risk tolerance.

• Guide and mentor team members in monitoring the portfolio.

• Spot opportunities and suggest improvements for processes and software development.

• Provide mentorship to credit analysts in risk management expertise and understanding.

• Communicate loan decisions to loan originators effectively.

• Identify and evaluate essential due diligence items.

• Negotiate loan terms and conditions with originators.

• Carry out various duties as assigned.

⛳️ Requirements

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

• A minimum of two years of experience in underwriting, portfolio monitoring, or a related business loan analysis role.

• Knowledge of SBA guidelines is preferred.

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

• Proficient in Microsoft Access, Word, and Excel.

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

• Strong attention to detail.

• Excellent verbal and written communication abilities.

• Strong organizational skills.

🏝️ Benefits

• Incentive compensation plan based on company, line of business, and/or individual performance.

• Comprehensive benefits programs that support physical, financial, emotional, and social well-being.

• Commitment to equal employment opportunities and an inclusive workplace culture.