Commercial Express Underwriter & Portfolio Manager

Commercial Express Underwriter & Portfolio Manager

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General Function : Review and decision small business relationships, in a centralized environment, for business purpose credits up to $2 million. If one of the warning signs signals a credit review, the PM will request all applicable information and determine the proper risk rating and required credit action relative to the risk profile. As needed, the PM will complete underwriting memos for business purpose requests.

Provide continued support to Banking Center personnel relating to the communication of loan decisions and financial analysis. 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 & Responsibilities :

• Responsible for analysis of financial statements based on information provided in the loan package.
• Coordinates requests with relationship manager on all information necessary to either decision a credit request or complete a proper risk rating.
• Provide loan decisions and / or credit recommendations based on a review of all underwriting criteria, including loan structure, collateral, interest rate, and fees.
• Negotiate terms & conditions of loan with relationship team.
• Provide the necessary coaching of Banking Center staff and commercial relationship managers, to enhance the understanding of the small business customer.
• Identify and communicate cross-sell opportunities discovered during the underwriting process.
• Effectively communicate loan decision to loan originator.
• Identify and review all necessary due diligence items.
• Ensures proper risk rating is complete relative to the relationship (per policy) and complete periodic reviews and ALSR reports.
• Completes all documentation required for SAG transfers if necessary.
• Assist Documentation Specialist, as needed
• Miscellaneous job duties as assigned.

Supervisory Responsibilities : None

Minimum Knowledge, Skills and Abilities Required :

Location Cincinnati, Ohio 45227

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.