Business Banking Underwriter IV

Huntington National Bank; Raleigh (NC); Hybrid; USD 95,000 - 160,000; Full time

Job summary

Huntington National Bank is seeking a Business Banking Underwriter IV to assess credit worthiness for commercial loans in a centralized lending environment. You will handle complex deals, maintain your own pipeline, and support risk and credit teams while mentoring newer staff.

Role requires a Bachelor's degree and 7+ years of underwriting experience; leadership and authority to underwrite >$4MM are preferred. Office-based with flexible work arrangements.

Qualifications

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

Responsibilities

• Underwrite Business Banking loans to determine credit worthiness and policy compliance.
• Maintain an individual production pipeline and review financials and credit information.
• Make sound credit decisions on complex loans up to $10MM.
• Utilize authority to approve credits up to $4MM.
• Assist with training and mentoring and support UW roles as needed.
• Collaborate with credit and risk teams to meet department goals.

Skills

Leadership experience

Communication skills

Analytical thinking

Risk assessment

Education

Bachelor's degree

Business-related degree (preferred)

Tools

Microsoft Office

Internet resources

Job description

Summary

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

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.

Additional Information

The Business Loan Center has many types of Underwriter IV's, please reference the job posting title to see what type of Underwriter position is available. See below for additional skills needed.

Types Of Underwriting Positions Include

• Portfolio Manager Underwriter IV
• SBA Underwriter IV
• Practice Finance Underwriter IV
• Agriculture Underwriter IV
• Investment Real Estate Underwriter IV
• Extended Market Underwriter IV (high dollar/complex loans)

Additional Skills For Specialized Positions

• SBA Underwriter IV: 5 years of SBA underwriting required.
• Practice Finance Underwriter IV: 5 years of Doctor/Dentist/Vet underwriting
• Agriculture Underwriter IV: 5 years of Agriculture underwriting required.
• Investment Real Estate Underwriter IV: 5 years of Investment Real Estate underwriting required.
• Extended Market Underwriter IV: 5 years Commercial or Middle Market experience

Exempt Status

(Yes = not eligible for overtime pay) (No = eligible for overtime pay)

Yes

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.

Huntington is an Equal Opportunity Employer.

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