SBA Finance Specialist
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 getprovide.com, and join the conversation on LinkedIn, Instagram, and TikTok. Our team is growing: Provide’s Inside Sales team is looking for a bold, compassionate, and focused SBA Finance Specialist to help aspiring and established entrepreneurs build their legacies through the origination, servicing, and closing of government-guaranteed small business loans. In this role, you will focus on business development, customer relationship management, and promoting SBA loan products within the Bank. 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: Achieve annualized loan production target while operating within the Bank's tolerance for each risk category; eligible products include SBA 7(a), SBA 504, USDA, and other conventional loans with government-guarantee components Use the LOB playbook and consultative sales process to build a thorough customer profile, identify short- and long-term financial needs, and cross-sell other Bank products Maintain an in-depth knowledge of products/services and recommend appropriate solutions using our value proposition Articulate the advantages of obtaining financing through a technology-enabled, industry-specific lender to doctors and referral sources Prospect to business customers and set appointments for periodic financial reviews, including outbound calls to your book of business Build trusted relationships with One Bank partners to enable customer referrals and provide timely and holistic financial solutions, along with governmental and community agencies by acting as a liaison to promote the Bank’s alternative lending products Participate in the origination, closing, packaging, servicing, and, as necessary, the liquidation of SBA loans to conform with U.S. Small Business Administration SOPs and the Bank's policies and regulatory compliance Balance risk and return, measured by any charge-offs that result in loss of income within the first 12 months; actively engage in credit and risk management policy and processes, including servicing and liquidation requests as needed Our newest teammate will have: Bachelor's degree in marketing, finance, or related business field, or four (4) years of related experience Minimum five (5) years of commercial banking experience, or five (5) years of sales and underwriting experience Extensive knowledge of U.S. Small Business Administration loan programs and other federal, state, and municipal alternative lending products Proven track record of self-motivated success in external sales/sourcing and the creation of new sales relations Ability to analyze complex financial data to make sound credit decisions Demonstrated strong verbal and written communication skills, along with excellent presentation and interpersonal skills Proficiency in all Microsoft Office software applications Bonus points for: Formalized basic credit training or equivalent credit risk experience SBA Finance Specialist Total Base Pay Range 82,100.00 - 172,500.00 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. 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.