We are growing and have an opportunity for a Commercial Underwriter III in the Specialty Healthcare Senior and Assisted Living segmentation. This role has the primary responsibility of structuring and underwriting healthcare lending opportunities balancing risk and growth ensuring loan structures are appropriate and consistent with bank lending standards, assigning an appropriate asset quality rating in a fast-paced, high-volume environment completing a detailed financial analysis to obtain a deeper understanding of an application’s credit risk. A Commercial Underwriter will collaborate with Relationship Managers (“RM”), internal support staff, and others to provide credit expertise to underwrite and monitor the portfolio.

We are an in-office culture. You could be based in any of the following: 8750 W Bryn Mawr Avenue, Chicago (close to Rosemont and the Blue Line Cumberland station), Buffalo Grove IL, 10635 Ewing Ave Chicago, Gurnee IL, Sycamore IL, Palos Heights IL, Deerfield IL, Nashville Gulch TN, Evansville IN, Beachwood OH, and Minneapolis /St. Paul, MN.

Key Accountabilities Structure and Underwrite Loans • Focus primarily on senior housing, hospitals and ancillary medical services• Underwrite new credit requests, renewals, and modifications focusing on appropriate due diligence, risk assessment and asset quality ratings (AQR)• Meet quality standards as outlined in ONB underwriting guidelines and policy• Produce high quality and accurate analysis while also not sacrificing efficiency in a fast-paced, high volume environment juggling multiple requests while adhering to client driven response timelines, etc.Partner with respective Relationship Managers • 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. • Develop and enhance knowledge of assigned segmentation and portfolio by leveraging internal and external resources and expertise• Partner well with associates on revenue generating sales team, support teams and others in Credit to ensure a collaborative, team, and empowered environmentMonitor Portfolio • Accurately assign asset quality ratings (AQR) • Work with assigned RMs to monitor the credit portfolio to maintain strong asset quality; review quarterly trend analysis reports, address default situations, delinquencies, review maturing notes, receipt of financial information, review covenant default and Borrowing Base Certificate (BBC) reports and other reports as appropriate. • Prepare cash flows and monitor key metrics to present quarterly to ONB’s executive team and internal reviewers as part of the Healthcare Portfolio Review meetings

Key Competencies for PositionCultural Leadership:• Communication – effectively shares information and ideas with individuals and groups; displays organization and self-management, tailors the delivery to the audience, and selects suitable delivery methods.• Collaboration – actively seeks, develops and maintains trusted relationships with others to achieve business goals and objectives.Execution Leadership:• Drive and Execution - committed to achieving established goals, overcoming obstacles, and continuously learning; focuses on ways to succeed by changing strategies, increasing effort, using varying approaches; seeks and leverages opportunities to collaborate with others to achieve results• Problem Solving/Decision Making – with minimal oversight, seeks to identify what caused an 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. • Adaptability – flexible and agile (can be a utility player); modifies behavior and approach to deal effectively with changing business needs, conditions, work responsibilities and requirements, and client needs; maintains effectiveness when experiencing change; accepts new challenges/shifts/change in a "can-do" way; focuses on the beneficial aspects of change• Technical Knowledge – possesses the required technical knowledge to perform the role effectively; continuous learning to adopt new trends or expertise; applies credit and banking expertise, industry knowledge, skills and abilities to demonstrate and sustain a depth and breadth of applicable technical underwriting knowledge Client Leadership:• Client Leadership - Puts the client in the forefront; strives to delight clients/partners 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• Demonstrate at least 3-7 years’ progressive experience within Commercial Credit experience is required with each incremental level of responsibility. • Healthcare Underwriting experience required; senior and assisted living facilities preferred.• Bachelor’s degree in finance, accounting or related field.• Demonstrated ability to independently (with limited oversight), understand, analyze and interpret financial statements. • Demonstrated ability to independently (with limited oversight), build out cash flows to determine borrower’s overall ability to repay debt. • Understands and takes appropriate action related to risks associated with lending to healthcare borrowers• Basic knowledge of loan structuring, borrowing causes and lending regulations; ability to comply with and conform to ONB lending policies, guidelines and standards.• Proficient in excel and a firm understanding of key bank underwriting metrics. • Must be able to make sound independent decisions and communicate those decisions clearly and effectively to the internal/external client quickly given the high volume, fast-paced environment• Must be 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• Must feel comfortable working in a collaborative team environment along with being an independent thinker.

Key Measures of Success/Key Deliverables • Meet or exceed CAM production expectations• Ensure acceptable quality and accuracy of work as assessed by loan review, OCC, and/or management• Maintain strong asset quality demonstrating sound underwriting, and credit monitoring • Contribute to the bank’s financial success by achieving targets for credit quality and supporting the bank’s growth goals