Senior Commercial Underwriter - Large-Credit Expert

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

Benefits offered by this job

Benefits program

Job summary

First Financial Bank is seeking an experienced Underwriter to perform financial analysis, risk assessment, and due diligence for large commercial loans. You will review applications, build memos, and present recommendations for loan approval within policy guidelines.

Responsibilities include coordinating due diligence, validating collateral, and training junior staff as needed. The role requires strong quantitative skills and deep knowledge of lending standards.

Qualifications

• Requires at least 7–10 years of credit underwriting and/or commercial lending experience with emphasis on underwriting commercial relationships at $5MM and greater.
• Proficiency in mathematical concepts and applying them to practical situations.
• Knowledge of advanced accounting principles and techniques.
• Strong interpersonal and communication skills.
• Bachelor’s Degree, preferably in Accounting, Finance, Economics, Business Administration or equivalent professional training.
• Seven (7) or more years of related experience.
• Master’s Degree in Business encouraged but not required.

Responsibilities

• Performs financial analysis, risk assessment, and detailed due diligence for the Oak Street Lines of Business. Review commercial loan applications and analyze standard credit information packages to assess creditworthiness and determine conformance to Bank Lending Policy.
• Utilize financial software tools to spread financial statements, evaluate cash flow capacity, and evaluate/validate collateral for new business opportunities and renewals.
• Prepare and present credit memos for new and renewal requests on complex credits and large clients for loan approval.
• Utilize lending authority to approve or decline credit requests; may have high-end underwriting authority.
• Coordinate and complete on-site due diligence trips; work with Servicing to monitor and manage loan portfolio; analyze covenants and collateral performance.
• Administer and participate in closing documentation and pre-funding requirements for loan closings.
• Train to be industry experts and provide internal/external training.
• Underwriter may manage the Pipeline and assist in workflow/credits; mentor or supervise other underwriters as needed.
• May provide group supervision or coordination for the group.
• Assist on special projects as needed

Skills

Credit underwriting experience

Mathematical proficiency

Advanced accounting principles

Interpersonal and communication skills

Education

Bachelor’s degree in Accounting/Finance/Economics/Business

Master’s degree in Business (encouraged)

Job description

First Financial Bank is seeking an experienced Underwriter to perform financial analysis, risk assessment, and due diligence for large commercial loans. You will review applications, build memos, and present recommendations for loan approval within policy guidelines.

Responsibilities include coordinating due diligence, validating collateral, and training junior staff as needed. The role requires strong quantitative skills and deep knowledge of lending standards.