AMiddle MarketPortfolio Bankerspendsmuch of their time working withassigned BankingRelationship Managers (RM)/Middle MarketBanking Directortodeterminewhether a new loan request fits the credit culture of the bank. As part of this, the Portfolio Bankerwill communicate directly with the bank27s credit group, including preparing pre-flights and presenting pre-flights to the bank27s credit leadership for discussion and approval. If the bank decides it would like to pursue these opportunities, the Portfolio Bankerwill directly communicate with customers and prospects to win the business and will also work alongside theMiddle MarketBanking teamand external legal counsel to document and close the loan(s). ThePortfolio Bankerwill alsoassisttheMiddle MarketBanking teamto manage a sizeable loan and deposit portfolio. This will include handling renewals and reviews of existing credits and analyzing credit/financial information associated with those relationships.

Salary Range

The salary range for this position is $98,400/yr - $199,000/yr plus bonus. 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 candidate27s relevant skills and professional experience, educational qualifications, and geographic location

KeyAccountabilities

Pre-underwriting/approval/loan closing:

• Initially analyze potential loan opportunities todeterminewhether the bank should pursue them.

• Work closely with theCorporateBanking Relationship Mangers/teamand the bank27s credit department to prepare a loan structure that works for the bank.

• Draft pre-flights for formal discussionincommittee.

• Verbally present pre-flights and credit presentations for discussion and approval, which could include creditcommittee.

• Work closely with the bank27s Treasury group and Capital Markets team to price loans that achieve the bank27s desired profitability hurdles.

• Review due diligence packages in detail to ensure there are no issues.

• Prepare term sheets that are structured appropriately based onthe feedbackfrom the bank27s credit partners.

• Provide the necessary documentation and supporting information to the bank27s Construction Loan Administration team so that they can effectively manage the construction for the bank.

• Work closely with the bank27s centralized functions for Real Estate Due Diligence, that include the bank27s appraisal group and environmental review team.

• Collaborate with the bank27s Commercial Banking Unit (
  5CBU
  5D) / Loan Operations / Loan Documentation teams for internally documenting loans (LaserPro) and for ongoing servicing of loans.

• Work with the bank27s approved external legal counsel to document loansin accordance withthe approval.

• Work with all parties to appropriately close loans. Including, but not limited to, the Borrower, Borrower27s legal counsel, Title company, bank27s legal external counsel, bank27s loan operations, commercial banking associates, etc.

Portfolio Management

• Communicate directly with customers to be sure that financials are current, which shall include using the bank27s tickler system and working alongside CRDTOPS.

• Work with the bank27s credit group to help complete annual reviews and answer questions in the annual review process.

• Obtain theappropriate creditapproval asrequiredfor renewals, covenant violations, etc.

• Manage construction loans on an as needed basis. This includes collaborating with the Borrower, Bank27s inspector, General Contractor,Architectand Title Company, among others. Periodic inspections are also part of the process. The position manages an important risk for thebankanda veryhigh attention to detail isrequired.A timelyreview of the construction draw request isessentialand ensuring the loanremainsin balance through the construction process isa must.

• Manages the renewal process for maturing loans and other credit commitments, including covenant monitoring.

• Understands and follows Loan Policy with no material undocumented and unapproved exceptions to help ensure compliance and audit rating of satisfactory or better.

• Helps to manage the Deposit Portfolio, which might include that any overdrafts are properly handled and approval received asrequired.

• CompletesProblem Loan Reports as needed.

• Effectively cross sellsvarious servicesto customers including personal banking, private banking, cashmanagementand investments.

• Participates in ongoing prospecting strategies and potential new market opportunities.

• Works with market leaders and bankers to strengthen referral source network development through purposeful, proactive activities and events.

• Collaborates with any internal group as needed.

• Other duties as assigned.

Relationship Management

• Providesa high levelof service to existing clients to provide exceptional customer experience, proactivelymanagesrelationship, andidentifiesand expands servicing opportunity with the customer27s best interest in mind.

• Buildnetworkthrough attending industry conference events.

• Actively introduces other ONBteammatesincluding senior leaders.

Team/Cross Team Collaboration

• Demonstrates teamwork by collaborating with others on the team and other members of the broader ONB team to achieve individual and company goals.

• While reporting through separate commercial lines, it is critically important that the commercial, personal, private and cash management teams, as well as shared services, create an atmosphere of teamwork and collaboration throughout ONB. Demonstrate team collaboration by partnering on joint calling efforts, sharing best practices,providingcross-sell opportunities, open and honest dialogue, and otherappropriate actionsthat supportgreat resultsand excellent cross-team collaboration.

Key Competencies for Position

Compelling Communication Openly and effectivelycommunicateswith others.

• Effectively and transparentlysharesinformation and ideas with others.

• Tailors the delivery of communication in a way that engages the audience and that is easy to understand and retain.

• Unites others towards commongoal.

• Asks for others' opinions and ideas and listens actively to gain their support when clarifying expectations, agreeing on a solution and checking for satisfaction.

Makes Decisions & Solves Problems Seeks deeper understanding and takes action.

• Takesownership of the problem while collaborating with others on a resolution withan appropriate levelof urgency.

• Collaborates andseekstounderstandsthe root causes of problems.

• Evaluates the implications ofnew informationor events and recommends solutions using decisions that are sound based on what is known at the time.

• Takesaction that is consistent with available facts,constraintsand probable consequences.

Delights Clients Continuouslyseeksand applies knowledge leading to a best-in-class client experience.

• Passionately serves internal/external clients with excellence.

• Maintainsa growth mindset staying current with developments and trends in areas of expertise influencing client satisfaction both internally and externally.

• Understands data,metricsand/or financial information, and how they tie to client satisfaction and business outcomes related to position,clientand/or team.

• Nurtures client relationships by listening, prioritizing, and acting responsibly to meet client needs, mitigateriskand add shareholder value.

Qualifications and Education Requirements

• Bachelor27sdegree in business/finance or related field isrequired.

• Several years of commercial lending experience with an emphasis on credit analysis, commercial lending, risk assessment,complianceand problem loan resolutionispreferred.

• Mustpossessstrong attention to detail, excellentcommunicationand organizational skills.

• Proficient with Microsoft Office products.

Key Measures of Success/Key Deliverables:

• Thorough knowledge of commercial real estate lending practices and concepts. Knowledge of laws and regulations including but not limited to appraisal requirements, flood searches, Bank Secrecy Act, and lending limits.

• Knowledge of cash management and private banking services that complement the lending function.

• Advanced abilities to read,analyzeand interpret industry journals and reports.

• Comprehensive understanding of accounting principles, including the analysis of financial statements.

• Good mathematical,accountingand algebraic skills to properly analyze the most complex credits in the Bank.

• Ability to calculate amounts such as discounts, interest,paymentsand percentages.

Level of role may vary between Portfolio Banker, Portfolio Banker II, and Portfolio Banker Senior:

• IIwill have previously been a successful Portfolio Banker (or held a similar role) at the bank or at another financial institution

• IIwill have prior demonstrated experience communicating directly with the bank27s credit group, including preparing pre-flights and presenting pre-flights to the bank27s credit leadership for discussion and approval

• IIwill have priorproficiencydirectly communicating with customers and prospects to win the business and has familiarity and a proventrack recordof working alongside theCorporateBanking (orotherCommercial segment) team

• Seniorwill likely maintain a larger number of relationships and also require less oversight from the Relationship Managers.

• Seniorlevel willassistin the training of new team members which may includeRelationshipManagers, administrative support, Credit partners, and interns.

• Greater emphasis and needisexpected of aSenior/More ExperiencedPortfolio Bankersregardingmaking decisions/solving (complex or unique) problems

• SeniorLevelrequiresa minimum of 7-10 years ofMiddle MarketBanking/Commercial experience