Provide's Credit team is looking for a bold, compassionate, and focused Credit Officer II to review and decision small business loan applications in a centralized environment for complex loans. In this role, you will focus on providing loan decisions and/or credit recommendations based on all underwriting criteria, collaborating with the Sales team to develop loan structures that meet the needs of the customer and adhere to the organization's risk appetite, and assisting and mentoring teammates through the loan decision process. As a Provide and Fifth Third Bank team member, you will be responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. You will be accountable for always doing the right thing for customers and colleagues and ensuring that actions and behaviors drive a positive customer experience. While operating within the risk appetites of Provide and Fifth Third Bank, you will be expected to achieve results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. A day in the life: • 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 terms and conditions of loans with loan originators and effectively communicate loan decisions Our newest teammate will have: • 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 Bonus points for: • Degree in accounting, finance or economics • Familiarity with Fifth Third's internal applications Credit Officer II Total Base Pay Range 71,100.00 - 145,900.00 USD Annual 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. LOCATION -- Virtual, Ohio 00000 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.