Senior Commercial Underwriter — Complex, Large Loans

First Financial Bank; Keystone (IN); On-site; USD 107,000 - 143,000; Full time

Job summary

First Financial Bank is seeking an experienced Senior Underwriter to evaluate commercial loan applications, assess creditworthiness, and manage large credit proposals. You will spread financial statements, analyze cash flows, and prepare detailed credit memos for loan approvals or renewals.

The role includes coordinating due diligence, supervising junior staff, and maintaining ongoing loan portfolio oversight.

Qualifications

• 7–10 years of credit underwriting or commercial lending experience.
• Experience with large credits ($5M+).
• Strong analytical and mathematical skills.

Responsibilities

• Review commercial loan applications and assess creditworthiness.
• Spread financial statements, evaluate cash flow capacity, and assess collateral.
• Prepare and present credit memos for new and renewal requests.
• Coordinate due diligence and monitor loan portfolio.
• Assist in closing documentation and mentor junior staff.
• Make credit decisions with authority within underwriting limits.

Skills

Credit underwriting

Commercial lending

Financial analysis

Risk assessment

Interpersonal skills

Education

Bachelor’s Degree in Accounting/Finance/Economics

Master’s Degree in Business (encouraged)

Job description

First Financial Bank is seeking an experienced Senior Underwriter to evaluate commercial loan applications, assess creditworthiness, and manage large credit proposals. You will spread financial statements, analyze cash flows, and prepare detailed credit memos for loan approvals or renewals.

The role includes coordinating due diligence, supervising junior staff, and maintaining ongoing loan portfolio oversight.