Business Banking Underwriter III

Huntington-Bank; Hoover (AL); Hybrid; USD 70,000 - 140,000; Full time

Benefits offered by this job

Health insurance

Retirement plan

Paid leave and PTO

Job summary

Huntington in the United States is seeking a Business Banking Underwriter III to assess credit worthiness and policy compliance for commercial loans up to $4MM. The role requires underwriting authority up to $3MM and mentoring support for junior staff.

Ideal candidates hold a bachelor’s degree with 5+ years in centralized underwriting, excellent communication, and strong Microsoft Office skills. Exempt, office-based with potential flexible work arrangements.

Qualifications

• Underwrite commercial loans with complex credit structures and customer exposure up to $4MM.
• Review financial data and credit information to decide on risk and policy compliance.
• Demonstrate confidence and professionalism when interacting with all levels of the organization.
• Work independently on multiple tasks while maintaining quality and service standards.

Responsibilities

• Maintain an individual pipeline of Business Banking work to support production.
• Underwrite loans with single-approval authority up to $3MM and escalate as needed.
• Mentor and train new hires and support UW II/UWI job families as needed.
• Collaborate with teams to ensure accurate documentation and timely decisions.

Skills

Underwriting experience

Analytical thinking

Credit risk assessment

Communication skills

Independent work

Education

Bachelor's degree

Business related field (preferred)

Tools

Microsoft Office

Job description

DescriptionSummary:The Business Banking Underwriter III is responsible for underwriting Business Banking loans to determine credit worthiness and compliance with Bank lending policy.Duties & 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 more complex credit structures and customer exposure up to $4MM.Utilizes single approval authority up to $3MM.Appropriately assess risk profile of borrower.Assist with training and mentoring new hires as well as providing support for the UWI & UW II job families as needed.Tasks as needed to support the line of business and job family.Performs other duties as assigned.Basic Qualifications:Bachelor's degree5+years’ experience with business or commercial underwriting in a centralized lending environmentPreferred Qualifications:Bachelor's degree in Business related fieldProven track record to support high levels of loan volumeAbility to underwrite credit exposures in excess of $2.5MMPrevious authority to underwrite and decision credits without additional signersDemonstrates confidence, assertiveness, professionalism, and ability to interact with all levels within the organization in a professional mannerProficient use of Microsoft Office and other internet resourcesAbility to work independently on multiple tasks without compromising qualityExcellence in customer service, highly motivated, focused and goal orientedExcellent written and verbal communication skills, including grammar and demeanorStrong organizational skills with attention to detail, planning and follow-upExempt Status: (Yes = not eligible for overtime pay) ( No = eligible for overtime pay)YesWorkplace Type:OfficeOur Approach to Office Workplace TypeCertain 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 - $140,000 Annual SalaryThe 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.Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.