Senior Commercial Underwriter (AVP/VP Level)

We need to output HTML fragment with sections for headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. Must not repeat job title. Must not include Job ID etc. Remove boilerplate. Must preserve all substantive info. We need to parse the posting. Content: - Who We Are: description of Old Second. That's about the company, maybe "About the role"? Actually "Who We Are" is about the company. The instruction says use headings like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. So we need to map content to those headings. We have: - Position Overview: description of Senior Commercial Underwriter responsibilities. That could go under "Responsibilities" or "About the role". The "About the role" heading likely for overview. We'll put overview under

About the role

with paragraph. - Essential Job Functions: list of duties. That's responsibilities. Could be under

Responsibilities

with

• items. - Required Qualifications: includes AVP level and VP level education/experience. That's qualifications. Could be under

  Qualifications

  with paragraphs. - Competencies – All levels: list of skills. That's skills. Could be under

  Skills

  with
  . - Preferred, but not required: additional preferred qualifications. Could also be under Qualifications or Skills? Probably Qualifications. - Location Details: hybrid role, locations. That could be under Schedule? Actually schedule is about work schedule. Location details maybe not a heading we have; we could incorporate into Schedule or maybe not include if not matching headings. The instruction: include a section ONLY when posting has real, specific content for it — never emit a heading followed by filler. We have headings list; we can choose to include Schedule if there is schedule info. The posting says: "Actual schedule requirements may vary based upon business needs." That's vague; not specific. Also "With management approval, an incumbent may work a combination of remote and onsite work..." That's schedule/location. Might be considered Schedule? But it's not specific schedule like "Monday-Friday 9-5". It's variable. Might be considered not specific enough to create a Schedule section. The instruction says never create Pay/Schedule/Benefits sections unless posting actually states them. It does state compensation & benefits: Base pay ranges, Officer Bonus Eligible, Benefits: How We Support You - Old Second (but then no details). It mentions benefits heading but no details. So we have Pay info (base pay ranges). Benefits: they have a heading "Benefits: How We Support You - Old Second" but then no details; it's just a heading with no specifics. According to rule, we should not create Benefits section unless posting actually states them. Since they only have a heading with no detail, we should not include Benefits section. However we could include a short paragraph if there is any benefit info? There's none. So skip Benefits. Pay: we have base pay ranges for AVP and VP levels, plus Officer Bonus Eligible at VP Level: target bonus up to 15% of base salary. That's specific. So we include Pay section. Schedule: we have hybrid role, remote/onsite, schedule may vary. That's somewhat specific but not exact schedule. The instruction: "never create Pay/Schedule/Benefits sections unless the posting actually states them." It does state schedule/hybrid details. So we could include Schedule section with that info. However we need to avoid filler like "commensurate with experience", "not specified", etc. The schedule info is: "This position is considered a hybrid role. With management approval, an incumbent may work a combination of remote and onsite work to perform the regular responsibilities of the role. Onsite work may occur at the Chicago (Wacker), Downers Grove (Highland Ave) or Aurora (Main) location. Actual schedule requirements may vary based upon business needs." That's specific enough. So we include Schedule. Now we need to decide about About the role vs Responsibilities. We have Position Overview paragraph. We'll put that under About the role. Responsibilities: Essential Job Functions list. Qualifications: Required Qualifications (AVP/VP levels) plus Preferred, but not required. Skills: Competencies – All levels list. Pay: base pay ranges and bonus. Schedule: hybrid details. We should not include Location Details separate; it's part of Schedule. We must not repeat job title. Not include Job ID etc. We must preserve all substantive information. Ensure we don't lose any details. Let's extract details: Who We Are: At Old Second, you're first! For more than 150 years, Old Second has consistently put businesses and individuals throughout the Chicago area first, and we're only getting started. With great employees we've grown from a single location in the back of a general store to 50 locations and over $6 billion dollars in assets. At Old Second we embrace values that foster an environment of community and growth. Recently, we've been voted a Forbes Best-In-State Bank for Illinois by our customers. Be a part of something big as we continue our growth story together! That's substantive. Should we include that? It's not under any of the headings list, but we could put it under About the role? Actually About the role is for role overview, not company. But we could incorporate it into About the role as a brief intro? The instruction: Use headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). It doesn't forbid other headings, but says use those for section headings. Likely they expect we use those headings only. So we need to map company info maybe under About the role? But About the role is supposed to be about the role, not company. However we could treat About the role as a general section that includes both company and role overview. The instruction: "Use

  for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule)." It gives examples, not an exhaustive list, but likely they want those headings. We'll follow that. Thus we need to decide where to put the "Who We Are" paragraph. Could be part of About the role (maybe as a brief company overview). That seems acceptable. Now Position Overview: "This Senior Commercial Underwriter is responsible for analyzing customer financial information and underwriting commercial loans. This individual is responsible for spreading customer financial data, assigning risk ratings, participating in preparation of exception reports, and complying with company and regulatory lending guidelines. The Senior Commercial Underwriter is responsible for performing at the highest levels of productivity, for independently and efficiently spreading the most complex and involved credits, and for resolving problems independently." We'll put that under About the role as well, maybe after company overview. Now Essential Job Functions list: - Spreads and analyzes customer financial information in collaboration with commercial lenders. - Is able to work independently to complete nearly all assignments. - Efficiently and accurately analyzes and assigns loan ratings to credits in bank portfolio. - Prepares and reviews spreadsheets for monthly exception reports. - Serves as department resource regarding bank policies and external regulatory requirements as they pertain to lending. - Proactively partners with Commercial Lenders to go on joint customer calls in order to develop credit and sales skills and/or serves in a leadership role to help develop and educate less experienced analysts. - Partner with Commercial Lenders to discuss and review complex credits and make financial and covenant recommendations as appropriate. - Collaborates with lenders as necessary on preparation of customer loan presentations. - Contributes as requested in on-site inspection of collateral. - Participate in special projects if required. We'll put each as

  . Now Required Qualifications: - AVP level: Bachelor’s degree in Accounting, Finance, Business or related area of study and three or more years of related experience (commercial banking, finance, credit, etc.); or equivalent combination of education and experience. - VP level: Bachelor’s degree in Accounting, Finance, Business or related area of study and five or more years of related experience (commercial banking, finance, credit, etc.); or equivalent combination of education and experience. We'll put as paragraphs or list. Now Competencies – All levels: - Strong understanding of balance sheet, leverage, risk ratios - Proficient in Microsoft Office (Word/Excel/Outlook) - General banking (credit/debit) knowledge - Excellent communication skills (verbal/written) - Demonstrated analytical and problem solving skills - Time management and ability to work within a fast paced environment Now Preferred, but not required: - Five years of more of related experience in credit/commercial banking strongly preferred. - Completion of formal bank credit training program strongly preferred. - Experience working within a change management environment. We could add to Qualifications or Skills. Probably Qualifications. Now Pay: - Base pay: AVP Level: $78,000 - $110,000 - VP Level: $96,000 - $130,000 - Officer Bonus Eligible at VP Level: Eligible to participate in the Annual Officer Incentive plan with a target bonus up to 15% of base salary based various performance components. - Old Second is committed to fair and equitable pay practices. Pay is dependent upon the pay range and the incumbent’s knowledge, skills and experience. We'll include that. Now Schedule: - This position is considered a hybrid role. - With management approval, an incumbent may work a combination of remote and onsite work to perform the regular responsibilities of the role. - Onsite work may occur at the Chicago (Wacker), Downers Grove (Highland Ave) or Aurora (Main) location. - Actual schedule requirements may vary based upon business needs. We'll put as list. Now we must not include Benefits section because no details. Now we need to output only HTML fragment, no /, no markdown fences. We'll produce something like:

  About the role

  At Old Second, you're first! For more than 150 years, Old Second has consistently put businesses and individuals throughout the Chicago area first, and we're only getting started. With great employees we've grown from a single location in the back of a general store to 50 locations and over $6 billion dollars in assets. At Old Second we embrace values that foster an environment of community and growth. Recently, we've been voted a Forbes Best-In-State Bank for Illinois by our customers. Be a part of something big as we continue our growth story together!

  This Senior Commercial Underwriter is responsible for analyzing customer financial information and underwriting commercial loans. This individual is responsible for spreading customer financial data, assigning risk ratings, participating in preparation of exception reports, and complying with company and regulatory lending guidelines. The Senior Commercial Underwriter is responsible for performing at the highest levels of productivity, for independently and efficiently spreading the most complex and involved credits, and for resolving problems independently.

  Responsibilities

  • Spreads and analyzes customer financial information in collaboration with commercial lenders.
  • Is able to work independently to complete nearly all assignments.
  • Efficiently and accurately analyzes and assigns loan ratings to credits in bank portfolio.
  • Prepares and reviews spreadsheets for monthly exception reports.
  • Serves as department resource regarding bank policies and external regulatory requirements as they pertain to lending.
  • Proactively partners with Commercial Lenders to go on joint customer calls in order to develop credit and sales skills and/or serves in a leadership role to help develop and educate less experienced analysts.
  • Partner with Commercial Lenders to discuss and review complex credits and make financial and covenant recommendations as appropriate.
  • Collaborates with lenders as necessary on preparation of customer loan presentations.
  • Contributes as requested in on-site inspection of collateral.
  • Participate in special projects if required.

  Qualifications