TheSenior Credit Officerwillbe responsible forthe daily activities of the CommercialUnderwriters,maintainingan efficient workflow while promoting a collaborative experience between their direct reports, Relationship Managers, segment leadership, and other internal support areas. This individual will manage all activities of theUWs, which will include oversight of all analyst tasks and functions necessary to analyze, decision, and manage credit relationships in the Commercial portfolio, along with credit risk administration duties, orderly flow of credit approvals through the analysis process and productivity for all direct reports. Responsible tomaintainloss ratios, accurately assessriskand assign theappropriate riskrating in an efficient manner following established underwriting guidelines and procedures. This position requiresstrong communication, leadership and critical thinking skills, thorough knowledge of industry and bank underwriting standards, and the confidence to make and support loan decisions

Salary Range

The salary range for this position is $106,100/yr - $214,600/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 candidates relevant skills and professional experience, educational qualifications, and geographic location.

KeyAccountabilities

Ensure credit quality targets for the loan portfolio are met

• Ensure analyses of underwriters areappropriateand asset quality ratings areaccurate
• Engage with CreditStrategytoleverageportfolio data and industry/market trends to provide administrative oversight of the Commercial loan portfolio
• Ensure compliance with established corporate standards for Commercial portfolio
• Understand the state of the loan portfolio, identifying areas of potential concern and growth opportunities

Coach, develop andmaintaina competent team of credit professionals

• DevelopUnderwritersthroughappropriate trainingto ensure analysis on credit approval memorandums isaccurate, factually correct and meets bank requirements to make fully informed credit decisions
• Assistwith evaluating, analyzing, and decisioning eligible loan applications while exercising granted loan authority in a responsible manner
• Lead and coach a team of credit professionals and successfully motivate direct reports to perform ata high leveland achieve their own performance and career objectives
• Maintain and grow analytical skills and industry knowledge through internal and external training and development opportunities

Maintain an environment that is collaborative, controlled,monitored, and efficient

• Collaboratewith staff and production peers while executing the Banks Commercial Strategy
• Empower team to engage with Commercial Relationship Managers, CBU Agents, and Documentation Specialists as applications progress through internal commercial lending processes and deploy problem solving and critical thinking skills as needed.
• Complete special projectsatthe direction of the Banks credit administrators, which may include action and responses to OCC exams, internal audits, and loan review reports.

Key Competencies for Position

Develops Talent -Optimizestalent within business area to achieve goals

• Actively supports people development through formal programs as well as targeted stretch assignments
• Continuously evaluates talent within business area and is quick totake action to removebarriers and close talent gaps through effective feedback and coaching
• Cultivates an environment of trust andoptimizestalents and capabilities within business area through a culture of continuous feedback and coaching
• Actively seeks to attract and retain best-in-class, diverse talent

MakesDecisions & Solves Problems -Proactively sources and analyzes comprehensive data to define and solve complex business problems thatleadsto sound decisions

• Proactively analyzes and owns qualitative and quantitative data to define businessareasproblems and opportunities through effective collaboration
• Collaborates to compile information needed to create a sound approach byleveraginginternal and external resources
• Considers business area, organizational, and individual realities along with impact on the business before developing solutions andmakessound business decisions based on a blend of analysis, wisdom,experienceand judgment
• Createsplanto meet goals andobjectiveswithin business areas diminishing gaps and evaluating progress along the way allowing for adjustments

Delights Clients -Builds a best-in-class client experience across the business area

• Fosters an environment where team members passionately serve internal/external clients with excellence
• Fosters a growth mindset by keeping current with development and trends in businessareaand sharing information to build knowledge base of businessareaand enhance client experience
• Understands data,metricsand/or financial information and how they tie to business outcomes related to client, businessareaand organization
• Fosters a culture of accountability within business areas where business area nurtures client relationships by listening, prioritizing and acting responsibly to meet client needs, mitigate risk and add shareholder value

Qualifications and Education Requirements

• Bachelors degree in Finance, Accounting, or related area or equivalent experience
• 10 or more years of experience as a Commercial Underwriter/Analyst or related positions
• Previousmanagement or leadership experience preferred
• Ability to analyze and interpret financial statements and understand complex accounting principles
• Thorough knowledge of risks associated with all types of industries
• Thorough knowledge of loan structuring, borrowing causes and lending standards to ensure loan applications are evaluated efficiently, effectively, andin accordance withregulations
• Mustpossess(or willing topossessin short order) a deep understanding of ONBs Credit culture, loan policies, and loan guidelines and procedures with abilityto propertymitigate exceptions when granted.
• Demonstratedproficiencyand attention to analysisutilizingqualitative and quantitative detail