CRE Commercial Underwriter

Responsibilities

• Underwrite loans focusing on appropriate due diligence, risk assessment and asset quality ratings (AQR)
• Meet quality standards as outlined in ONB underwriting guidelines and policy
• Evaluate by Loan Review, OCC, and/or others to identify unacceptable underwriting or inaccurate AQR
• Meet or exceed productivity expectations for annual credit approval memorandum (CAM) volume
• Produce high quality and accurate analysis while maintaining efficiency in a fast-paced, high volume environment
• Partner with respective Relationship Managers as well as Treasury Management Partners
• Provide credit expertise using a consultative approach; assist in structuring loans applying proficient knowledge, understanding, and application of ONB guidelines/standards/policies, risk assessment and analysis; effectively communicate risks, questions, and options to RM seeking win-win solutions
• Deliver exceptional internal customer service and adopt new processes and new tools, as available
• Develop and enhance knowledge of assigned segmentation and portfolio by leveraging internal and external resources and expertise
• Maintain strong asset quality by monitoring the credit portfolio, reviewing trend analysis reports, addressing default situations, delinquencies, reviewing maturing notes, receipt of financial information, reviewing covenant default and Borrowing Base Certificate (BBC) reports and other reports as appropriate
• Prepare credit data in Special Assets Assessment and Action Summary (SAAAS) and Upgrade Hurdles, as necessary, working with assigned Relationship Managers

Qualifications

• Demonstrate at least 3-7 years progressive experience within CRE underwriting, commercial real estate appraisal or commercial credit analysis
• Progressive experience with understanding and analyzing financial statements
• Ability to understand and take appropriate action related to risks associated with lending to various types of industries
• Basic knowledge of loan structuring, borrowing causes and lending regulations; ability to comply with and conform to ONB lending policies, guidelines and standards
• Able to make sound independent decisions and communicate those decisions clearly and effectively to the internal/external client quickly
• Able to actively listen, quickly identify issues as well as opportunities when they arise, and problem solve in real-time to move the work accordingly
• Able to work in a collaborative team environment along with being an independent thinker
• Bachelor’s degree in finance, accounting or equivalent experience