Business Banking Underwriter IV

Huntington National Bank; Tupelo (MS); On-site; USD 110,000 - 140,000; Full time

Job summary

Huntington National Bank in Tupelo, MS is seeking a Business Banking Underwriter IV to underwrite commercial loans, assess creditworthiness, and ensure adherence to lending policy. This role supports production with an active pipeline and handles complex credit structures up to $10MM.

The position requires strong risk judgment, the ability to approve credits up to $4MM, and leadership experience for mentoring junior staff. Excellent communication and MS Office proficiency are essential.

Qualifications

• Bachelor's degree required.
• 7+ years’ experience with business or commercial underwriting in a centralized lending environment.
• Leadership/management experience (3-4 years).
• Ability to underwrite credit exposures in excess of $4MM.
• Authority to underwrite and decision credits without additional signers.
• Strong communication, professionalism, and ability to interact with all levels.
• Proficient use of Microsoft Office and other internet resources.

Responsibilities

• Maintains an individual pipeline of work to support Business Banking production.
• Reviews financial and credit information to make sound credit decisions for complex loans up to $10MM.
• Utilizes single approval authority up to $4MM.
• Assess risk profile of borrowers and collaborate with risk teams.
• Mentors new hires and supports UW Family job roles as needed.
• Provides back-up support for manager during meetings and huddles.
• Represents the manager outside of the function group when required.
• Partners with credit and segment risk to meet department goals.

Skills

Credit underwriting

Leadership experience

Microsoft Office

Communication skills

Detail oriented

Education

Bachelor's degree

Bachelor's degree in business

Tools

Microsoft Office

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.

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.

Huntington is an Equal Opportunity Employer.

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