Commercial Underwriter III

First Financial Bank - Cincinnati, OH

Cincinnati, OH

Credit Intermediation and Related Activities

About the position

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written! If you are interested and qualified for this role, we invite you to apply. This position focuses on commercial underwriting activities related to commercial real estate and senior care.

Responsibilities

• Performs financial analysis and risk assessment for the Commercial Real Estate line established by Bank.
• Review commercial loan applications and analyze credit information to assess applicant's creditworthiness.
• Determine whether the proposed loan will conform to the Bank's lending policy and provide feedback to management.
• Maintain ongoing communication with management on the status of transactions.
• Spread statements for new business opportunities and renewals not assigned to credit portfolio analyst.
• Prepare credit memos for new and renewal requests on complex credits and large clients.
• Work with Commercial Relationship Managers in preparing complete and accurate CARs for credit authorities.
• Attend loan committees when a CAR is being presented.
• Finalize changes to CAR and verify approval process in accordance with FFB policy.
• Work directly with Senior Relationship Managers, Business Unit Managers, and Regional Presidents.
• Focus on new business and larger or more complex renewal transactions.
• Serve as additional point of contact on large credits and assist in discussions with clients.
• Assist in maturity tracking for assigned region and lead in preparing periodic portfolio reports.
• Assist in managing workflow and assigned credits, and mentor other Underwriters as needed.
• Assist on special projects as needed.

Requirements

• Requires at least 5 years of credit or Business Banking underwriting experience.
• Proficiency in mathematical concepts applicable 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.
• Three or more years of related experience.

Nice-to-haves

• Experience in underwriting and/or analyzing various Commercial Real Estate transactions, including Healthcare, REIT, and LIHTC.