Overview

A Business Banking Credit Center (BBCC) Underwriter's primary role is to analyze business banking level loan applications, ensure loan structures are appropriate and consistent with bank lending standards, assign an appropriate asset quality rating, and decision applications with assigned lending authority. To maximize efficiency these positions will leverage a small business scoring model to aid in the evaluation of loan requests. In some instances, the underwriter will complete are more detailed financial analysis to obtain a deeper understanding of an application's credit risk. A BBCC underwriter will collaborate with Business Bankers, internal support staff, and documentation associates to aid in the end-to-end journey of a business banking loan as needed. Office locations can be Evansville IN, Chicago area offices, Minneapolis / St Paul area offices, and Indianapolis IN.

Salary Range

The salary range for this position is $60,000.00/Yr. - $121,300.00/Yr.. The base salary indicated for this position reflects the compensation range applicable to all levels of the role across the United States. Actual salary offers within this range may vary based on a number of factors, including the specific responsibilities of the position, the candidate's relevant skills and professional experience, educational qualifications, and geographic location.

Key Accountabilities

Evaluate, underwrite and decision applications efficiently

• Meet or exceed set application production requirements
• Identify high risk applications and mitigate those risks appropriately
• Exercise granted authority confidently and with integrity
• Produce a high quality and accurate analysis while also not sacrificing efficiency

Work collaboratively with production associates, support staff, and teammates

• Collaborate with associates directly involved in the Business Banking lending process while exceeding applicant's expectations
• Maintain group mailbox, manage application pipeline, assist in completing department level administrative responsibilities, and participate in projects as needed
• Engage with, learn from, and teach department staff to maximize internal growth and development opportunities.

Grow and develop key technical requirements of position including systems, scoring model usage, and loan policies, procedures and guidelines

• Proficient in using multiple internal or third-party systems
• Maintain a general understanding of scoring model and it's application when guiding loan decisions as well as the ability to spread financial statement, calculation ratios, and apply results to property asses risk
• Proficient in understanding and applying loan policies, guidelines and standards

Additional Accountabilities (Senior BBCC UW)

• Viewed as the "right hand" of the department manager to assist in:
  • Reviewing and decisioning, when applicable, applications for other underwriters
  • Assist underwriters in conflict resolution
  • Train and develop less experienced UW's as opportunities arise
• Highly proficient accountabilities listed above
• Fills in for department manager when absent
• Is assigned special projects at the discretion of the manager
• Possess or is developing leadership competencies required for a management role

Key Competencies for Position

Cultural Leadership

• Communication - Effectively shares information and ideas with individuals and groups; displays self-awareness and self-management, tailors the delivery to the audience, and selects suitable delivery methods.
• Inclusiveness - Demonstrates strong self-awareness and respect of individual and cultural values by actively contributing to an environment that fosters inclusion, belonging and engagement of all team members. Values and leverages the contributions, perspectives and ideas of all team members in decision-making and group processes.
• Collaboration - Actively seeks, develops and maintains trusted relationships with others to achieve business goals and objectives.

Execution leadership

• Drive & Execution - Committed to achieving established goals, overcoming obstacles, and continuously learning to improve performance.
• Accountability - Accepts full responsibility for self and contribution as a team member; follows through on commitments; implements decisions that have been agreed upon; acknowledges and learns from mistakes without blaming others; recognizes the impact of his/her behavior on others.
• Attention to Detail - Completes work thoroughly and accurately; pursues quality in accomplishing tasks.
• Adaptability - Modifies behavior and approach in order to deal effectively with changing business needs, conditions, work responsibilities and requirements, and client needs; maintains effectiveness when experiencing change.
• Problem Solving / Decision Making - Seeks to identify what caused the issue; incorporates input from multiple sources (e.g., lines of business, subject matter experts, data, policies, procedures, etc.) to ensure effective action and shared ownership; decisions are sound based on what was known at the time and are based on a blend of analysis, wisdom, experience, and judgement.
• Technical Knowledge - Possesses the required technical knowledge to perform the role effectively; continuous learning to adopt new trends or expertise.

Client Leadership

• Strives to delight internal and external clients by becoming a trusted advisor, establishes long-term productive relationships by viewing and understanding outcomes and operations through the eyes of the client, identifying and acting upon needs, and delivering increased value.

Qualifications and Education Requirements

• Bachelor's degree in finance, accounting or related field OR equivalent experience.
• Agricultural underwriting experience is a plus.
• Ability to analyze and interpret financial statements and understand basic accounting principles.
• Understand risks associated with lending to various types of industries.
• Basic knowledge of loan structuring, borrowing causes and lending regulations.
• Must be able to make sound independent decisions and communicate those decisions clearly and effectively
• Must be able to actively listen, quickly identify issues as well as opportunities when they arise, and problem solve.
• Must feel comfortable working in a collaborative team environment along with being an independent thinker.