Loan Officer

FlourishesConsulting • Columbus, OH

2d • $80,000 - $85,000 • Hybrid

About The Position

Our client is seeking a detail-driven, analytical Loan Officer with underwriting or credit analysis experience who is also energized by building relationships and helping small businesses access capital. The Loan Officer will help small businesses across Ohio access financing to grow, invest, and create economic opportunity. This is an excellent opportunity for a relationship-driven lending professional who enjoys business development, community engagement, financial analysis, and commercial lending.

As a Loan Officer, you'll serve as a trusted resource to business owners, lenders, and referral partners. You'll identify financing opportunities, structure qualified loan requests, and guide projects from initial conversations through credit underwriting.
You'll develop expertise in the SBA 504 Loan Program, State of Ohio Regional 166 Loan Program, and mission-based direct lending, with particular focus on SBA 504 eligibility, processing, and compliance requirements.
The role combines business development, relationship management, financial analysis, and lending expertise in a casual, highly collaborative work environment.

Requirements

• Associate's degree in business, finance, accounting, or a related field and/or equivalent experience.
• 2+ years of experience in underwriting, credit analysis, commercial lending, or related banking environment.
• Demonstrated ability to analyze financial statements, financial ratios, credit information, and other financial data.
• Strong critical-thinking and problem-solving skills with the ability to research and resolve questions independently.
• Strong attention to detail and ability to follow policies, procedures, and regulatory requirements.
• Sound judgment and decision-making skills, including the ability to evaluate information, identify risks, and draw appropriate conclusions.
• Strong written and verbal communication skills.
• Strong organizational and time-management skills with the ability to manage multiple priorities and deadlines.
• Proficiency with Microsoft Office and web-based technology.
• Ability to maintain confidentiality when working with sensitive financial and business information.
• Valid driver's license and ability to travel as needed.
• Must reside in Ohio.

Nice To Haves

• Experience with SBA lending, particularly SBA 504 lending.
• Experience developing relationships with business owners, lenders, financial institutions, or referral partners.
• Experience presenting financial or credit information to internal or external stakeholders.

Responsibilities

• Develop and manage lending relationships that support organizational growth and mission.
• Market lending programs to business owners, lenders, and referral sources.
• Build relationships with banks, credit unions, business owners, community organizations, and other partners.
• Participate in community events, professional organizations, trainings, and business development activities.
• Meet with business owners to understand financing needs and identify appropriate solutions.
• Initiate and structure SBA 504 loan opportunities.
• Ensure loan requests meet applicable SBA requirements and policies.
• Collect financial and business information needed for underwriting and complete credit analysis in compliance with program requirements.
• Manage multiple loan opportunities from initial contact through credit underwriting.
• Maintain timely, professional communication with customers, partners, SBA, and internal team members.
• Provide training and educational programs for lenders and referral sources.
• Maintain ongoing relationships with prospects, applicants, customers, and lending partners.
• Deliver a high level of service and contribute to a positive customer experience.
• Perform other duties as assigned.

Benefits

• The opportunity to build meaningful relationships across Ohio, deepen your lending expertise, and make a tangible impact in the communities you serve.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree