Business Banking Underwriter IV

Business Banking Underwriter IV is responsible for underwriting Business Banking loans to determine credit worthiness and compliance with Bank lending policy.

Responsibilities

• Supports Business Banking production by maintaining an individual pipeline of work.
• Reviews all financial and credit application information to make sound credit decisions, typically for loans with complex credit structures and customer exposure up to $10 MM.
• Utilizes single approval authority up to $4 MM.
• Appropriately assesses risk profile of borrower.
• Assists with training and mentoring new hires and provides support for the UWI, UW II & UW III job families as needed.
• Performs tasks as needed to support the line of business and job family.
• Acts as primary backup for manager for team huddles & meetings and represents the manager outside of the function group as needed.
• Collaborates with both credit and segment risk to meet or exceed department goals.
• Performs other duties as assigned.

Basic Qualifications

• 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 $4 MM.
• Previous authority to underwrite and decide credits without additional signers.
• Demonstrates confidence, assertiveness, professionalism, and ability to interact with all organizational levels.
• Proficient use of Microsoft Office and 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 the functional team to improve the unit.

Types of Underwriting Positions

• Portfolio Manager Underwriter IV
• SBA Underwriter IV
• Practice Finance Underwriter IV
• Agriculture Underwriter IV
• Investment Real Estate Underwriter IV
• Extended Market Underwriter IV (high dollar/complex loans)

Additional Skills for Specialized Positions

• SBA Underwriter IV: 5 years of SBA underwriting required.
• Practice Finance Underwriter IV: 5 years of Doctor/Dentist/Vet underwriting.
• Agriculture Underwriter IV: 5 years of agriculture underwriting required.
• Investment Real Estate Underwriter IV: 5 years of investment real estate underwriting required.
• Extended Market Underwriter IV: 5 years of commercial or middle market experience.

Exempt Status

Exempt (not eligible for overtime pay).

Workplace Type

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