Credit Underwriter - Commercial Bank

Commercial Underwriter II
The Commercial Underwriter II is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight. As the associate progresses in learning objectives, they will begin to underwrite increasingly complex commercial relationships to determine the creditworthiness of applicants within bank credit policies and guidelines. This role involves financial statement analysis, risk assessment and strategic decision making with guidance from the Associate Credit Officer and experienced underwriters. Performs financial analysis and risk assessment for the commercial credit portfolio Within the Business Banking, Commercial & Industrial, Commercial Real Estate, or Specialty Commercial (Asset Based, Structured Cash Flow and ESOP) business lines of the Bank. Reviews commercial loan applications and analyzes credit information on commercial applicants to make a general assessment of applicant's creditworthiness. Determines whether or not the proposed loan will conform to the Bank's lending policy. Provide feedback to the Sales and Credit teams, as appropriate, regarding the structure, underwriting, and management of loans. Work directly with relationship managers and portfolio managers during underwriting process, including discussion with clients on credit and financial statement questions.
Financial statement spreads and covenant testing for existing clients not assigned to credit portfolio analyst.
Provide commentary within the credit memo as to underwriter support of such credit request or review.
Attend local/ regional meetings
Bachelor's Degree, preferably in Accounting, Finance, Economics, Business Administration
Strong organizational skills with attention to detail, planning and follow-up
Ability to work independently on multiple tasks without compromising quality
Proficient use of Microsoft Office and other internet resources
Manages a broad range of commercial loan applications across various industries and risk factors. The complexity is heightened by the need to understand intricate business operations, financial health, and industry-specific risk

Moderate to high level of independence compared to entry-level positions. They are expected to make decisions on underwriting commercial loan applications, assess risk, and underwriting decisions with a certain level of autonomy.

Frequent use of computer, keyboard, phone and office equipment.
Occasional moving within the office or to other locations within the building.
Clear and effective communication in person and over the phone.
Ability to move within an office environment.
The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.
Development and Training
All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.
It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.
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