Credit Officer II - SBA

Overview

This role supports small business lending credit decisions in a centralized environment for complex loans. Responsibilities include providing loan decisions and/or credit recommendations using underwriting criteria, collaborating with Sales on loan structures, and mentoring teammates through the loan decision process.

Responsibilities

• 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

Requirements

• 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

Preferred Qualifications

• Degree in accounting, finance or economics
• Familiarity with internal applications

Compensation & Benefits

• Total Base Pay Range: 71,100.00 - 145,900.00 USD Annual
• Base salary reflects 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 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.
• Extensive benefits programs designed to support physical, financial, emotional and social well-being for employees and their families.

Location

Virtual, Ohio 00000

Additional Information

• Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Unsolicited resumes will be considered the property of the employer and the employer will not be responsible for any associated fee.
• Equal Employment Opportunity: engaged and inclusive culture with 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.