Business Banking Underwriter III

About the role

The Business Banking Underwriter IV is responsible for underwriting Business Banking loans to determine credit worthiness and compliance with Bank lending policy. This position supports Business Banking production by maintaining an individual pipeline of work, reviewing all financial and credit application information to make sound credit decisions. Loans typically include those with the most complex credit structures and customer exposure up to $10MM, with single approval authority up to $4MM. The role also assists with training and mentoring new hires, provides support for the UWI, UW II & UW III job families, acts as primary backup for the manager, and collaborates with credit and segment risk to meet or exceed department goals. This is an exempt position (not eligible for overtime pay).

Responsibilities

• Maintain an individual pipeline of work to support Business Banking production.
• Review all financial and credit application information to make sound credit decisions.
• Underwrite loans with complex credit structures and customer exposure up to $10MM.
• Utilize single approval authority up to $4MM.
• Appropriately assess the risk profile of borrowers.
• Assist with training and mentoring new hires.
• Provide support for the UWI, UW II & UW III job families as needed.
• Perform tasks as needed to support the line of business and job family.
• Act as primary backup for the manager for team huddles and meetings.
• Represent the direct manager outside of the function group as needed.
• Collaborate with both credit and segment risk to meet or exceed department goals.
• Perform other duties as assigned.

Requirements

• Bachelor's degree.
• 7+ years’ experience with business or commercial underwriting in a centralized lending environment.

Preferred Qualifications

• Bachelor's degree in a business-related field.
• 3–4 years leadership/management experience.
• Ability to underwrite credit exposures in excess of $4MM.
• Previous authority to underwrite and decision credits without additional signers.
• Demonstrates confidence, assertiveness, professionalism, and ability to interact with all levels within the organization in a professional manner.
• Proficient use of Microsoft Office and other internet resources.
• Excellence in customer service; highly motivated, focused, and goal oriented.
• Excellent written and verbal communication skills, including grammar and demeanor.
• Strong organizational skills with attention to detail, planning, and follow‑up.
• Ability to work independently on multiple tasks without compromising quality.
• Ability to determine and make necessary changes without oversight within their functional team to better the unit as a whole.

Benefits

• Health insurance coverage.
• Wellness program.
• Life and disability insurance.
• Retirement savings plan.
• Paid leave programs.
• Paid holidays.
• Paid time off (PTO).

Pay

Annual base salary range: $70,000 – $140,000. Actual compensation varies based on location, experience, and education. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan.

Schedule

Workplace type: Office. Certain positions outside the branch network may be eligible for a flexible work arrangement combining in‑office and work‑from‑home. Specific work arrangements will be provided by the hiring team.