SBA Lead Underwriter

Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank . About Provide: Powered by Fifth Third Bank , Provide empowers entrepreneurs to build their legacies. As a leader in tech-enabled financial services for aspiring and established small business owners, Provide offers an unmatched combination of industry expertise, personalized service, and customized financial products — enabling entrepreneurs to achieve their ownership dreams, realize financial independence, and strengthen their communities. Founded in a one-bedroom San Francisco apartment in 2013, Provide was acquired by Fifth Third in 2021, and in 2023, was named one of Fast Company ’s Most Innovative Companies. Learn more at , and join the conversation on LinkedIn, Instagram, and TikTok. Our team is growing: Provide’s Credit team is looking for a bold, compassionate, and focused SBA Lead Underwriter 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: - Underwriting focus on new money to new borrowers to the bank. - Work in cooperation with relationship managers with initial deal review, modeling, and structuring. - Work in cooperation with RM's with deal pre-clearance within the Structured Finance Group, Credit, Capital Markets/Syndications, and other constituents. - Work in cooperation with RM's, customers/prospects, and third-party providers to order, obtain and ascertain due diligence information as required. - Utilize and analyze all available resources to prepare the credit approval document, Change in terms. - Coordinate with the RM and Credit to obtain the proper credit approval. - Develop training and education guidelines for SBA lending. - Oversee adherence to SBA credit and eligibility policies, ensuring compliance with government regulations and the SBA guaranty. - Maintain an in-depth working knowledge of all SBA products and services and ensure that the Business Banking leadership team and market leaders are alert to new developments or modifications of the SBA program as published by the SBA Center Office in Washington, DC. - Engage and manage legal counsel and negotiate legal documentation in conjunction with RM. - Complete and manage the closing, funding, and booking process in cooperation with the Funding Desk and Credit Collateral Operations. - Complete internal and external post-closing items. - Complete the underwriting process for deal amendments and restructurings. - Complete special projects and assignments as requested. Supervisory responsibilities: May provide direct leadership and supervision to junior underwriters, credit analysts, and/or leadership program participants. Our newest teammate will have: - College degree in accounting, finance, or economics or equivalent industry experience required. - Total work experience of 7 years including 3 to 5 years of underwriting, credit, or originations exper