Business Banking Underwriter III

Huntington Bancshares, Inc.; Charlotte (NC); Hybrid; USD 70,000 - 140,000; Full time

Benefits offered by this job

Health insurance

Wellness program

Life and disability insurance

Retirement savings plan

Paid leave & PTO

Paid holidays

Job summary

Huntington Bancshares, Inc. in Charlotte, NC is seeking a Business Banking Underwriter IV to evaluate creditworthiness for complex commercial loans, including exposures up to $10MM. The role demands strong analytical skills, risk insight, and the ability to manage a personal pipeline while guiding junior underwriters.

You will collaborate with credit and risk teams and may mentor new hires as needed. Office-based with flexible work options, offering a competitive salary, incentive opportunities,

Qualifications

• Bachelor's degree required.
• 7+ years of business/commercial underwriting experience.
• Experience in centralized lending environments.
• Ability to underwrite exposures > $4MM.
• Leadership experience (3–4 years).

Responsibilities

• Underwrite Business Banking loans to assess credit worthiness.
• Maintain pipeline and support production.
• Collaborate with risk teams to meet goals.
• Mentor and train new hires as needed.
• Act as back-up for manager during meetings.

Skills

Underwriting

Credit risk

Leadership

Financial analysis

Communication

Education

Bachelor's degree

Finance/Business degree

Tools

Microsoft Office

Job description

Description

Summary:

The Business Banking Underwriter IV is responsible for underwriting Business Banking loans to determine credit worthiness and compliance with Bank lending policy.

Duties and Responsibilities:

• Supports Business Banking production by maintaining an individual pipeline of work.
• Reviews all financial and credit application information to make sound credit decisions. Loans would typically include those with most complex credit structures and customer exposure up to $10MM.
• Utilizes single approval authority up to $4MM.
• Appropriately assess risk profile of borrower.
• Assist with training and mentoring new hires as well as providing support for the UWI, UW II & UW III job families as needed.
• Tasks as needed to support the line of business and job family.
• Act as primary back up for their manager as needed for team huddles & meetings.
• Is positioned with knowledge and expertise to represent direct manager outside of function group as needed.
• Collaborate with both credit and segment risk to meet or exceed department goals.
• Performs other duties as assigned.

Basic Qualifications:

• Bachelor's degree
• 7+years’ experience with business or commercial underwriting in a centralized lending environment

Preferred Qualifications:

• Bachelor's degree in business related field
• 3-4 years leadership / management experience
• Ability to underwrite credit exposures in excess of $4MM.
• Previous authority to underwrite and decision credits without additional signers.
• Demonstrates confidence, assertiveness, professionalism, and ability to interact with all levels within the organization in a professional manner.
• Proficient use of Microsoft Office and other internet resources
• Excellence in customer service, highly motivated, focused and goal oriented.
• Excellent written and verbal communication skills, including grammar and demeanor.
• Strong organizational skills with attention to detail, planning and follow-up.
• Ability to work independently on multiple tasks without compromising quality.
• Ability to determine and make necessary changes without oversight within their functional team to better the unit as a whole.

Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)

Workplace Type:

Office

Our Approach to Office Workplace Type

Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Compensation Range:

70,000.00 - 140,000.00 Annual Salary
The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO).

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.