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 appl…
General Manager At WhiteWater Express, we are more than just a car wash; we are a company built on respect, communication, and a passion for people. Our dedicated team members are leaders within the company, and we b…
Skills: Leadership, Team Management, Sales Acumen, Conflict Resolution, Microsoft Office Suite
Americas Delivery Center Financial Crimes Compliance Competency Lead
Cincinnati, Ohio, United States · Hybrid
$102k–$176k/yr
Senior+
JOB REQUISITION Americas Delivery Center Financial Crimes Compliance Competency Lead LOCATION AMERICAS DELIVERY CENTER ADDITIONAL LOCATION(S) JOB DESCRIPTION You Belong Here The Protiviti Career provides opportunity to l…
Assistant Dean of Academic Affairs, College of Arts & Sciences
Cincinnati, Ohio, United States · On-site
Senior
Current Xavier University employees must apply to the internal career site by logging into Workday Assistant Dean of Academic Affairs, College of Arts & Sciences Xavier University’s College of Arts & Sciences invites a…
Apply in ~60 Seconds Join Our Team: A career at Cinemark means you'll have epic opportunities to immerse yourself in our industry. But that's just the beginning — a front row seat means incredible growth as you bring new…
Work Schedule Standard (Mon-Fri) Environmental Conditions Able to lift 40 lbs. without assistance, Cleanroom: no hair products, jewelry, makeup, nail polish, perfume, exposed piercings, facial hair etc... allowed, Cold R…
Skills: GMP, Pharmaceutical Manufacturing, Team Leadership, Production Scheduling, Quality Assurance
Apply in ~60 Seconds Join Our Team: A career at Cinemark means you'll have epic opportunities to immerse yourself in our industry. But that's just the beginning — a front row seat means incredible growth as you bring new…
Skills: Team Leadership, Customer Service, Cash Handling, Conflict Resolution, Time Management
Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: This role will be required to co…
Job Description: Competitive Pay – Awesome Benefits! Work Type: Part Time– 25 hours per week McHenry House- 44 units located in Cincinnati, Ohio located in is a senior apartment community with a team of property manageme…
Skills: Advocacy, Program Coordination, Problem Solving, Community Networking, Case Management
Job DetailsJob Location: Currito Harpers - Cincinnati, OH 45249WHO WE ARE Are you ready to elevate your career in the restaurant industry? Thunderdome Restaurant Group currently has nine growing concepts: Bakersfield, Th…
Apply in ~60 Seconds Join Our Team: A career at Cinemark means you'll have epic opportunities to immerse yourself in our industry. But that's just the beginning — a front row seat means incredible growth as you bring new…
Skills: Team Leadership, Customer Service, Cash Handling, Conflict Resolution, Time Management
MedVet is a fast-growing Emergency and Specialty provider with practices nationwide. We help our patients receive advanced medical treatments and innovations. Things like chemotherapy and radiation, cardiac ablations, tr…
Skills: Clinical Supervision, Veterinary Medicine, Workflow Prioritization, Team Management, Drug Calculations
Speech Language Pathologist (SLP) - West Hospital - PRN
Cincinnati, Ohio, United States · On-site
Mid level
**PRN Position** As a faith-based and patient-focused organization, Mercy Health exists to enhance the health and well-being of all people in mind, body and spirit through exceptional patient care. Success in this goal r…
Clinical Unit Leader – Emergency Department (ED) – West Hospital
Cincinnati, Ohio, United States · On-site
Mid level
Mercy Health Intro paragraph As a faith-based and patient-focused organization, Mercy Health exists to enhance the health and well-being of all people in mind, body and spirit through exceptional patient care. Success in…
Job TitleSenior Manager, Data & Analytics Job Description SummaryJob Description Role summary Own the analytics function end to end — from the Gold-layer data products in the lakehouse through to the dashboards, models, …
Skills: Analytics Leadership, Data Governance, Semantic Modeling, Stakeholder Management, People Management
Overview TriHealth Rehabilitation Hospital Cincinnati, OH Per Diem Pharmacy Intern Our Inpatient Rehabilitation Hospital is committed to providing exceptional and compassionate care to best address the medical, physical,…
Skills: Medication Dispensing, IV Preparation, Pharmacy Inventory Management, Unit Dose Packaging, Quality Improvement
Job DetailsJob Location: Future Environments FEI - Cincinnati, OH 45220Position Type: Full TimeEducation Level: CDASalary Range: $14.00 - $16.00 HourlyJoin Learning Grove, a top-rated nonprofit with over 40 years of expe…
Position Summary: Assembles orders and prepares goods for shipment. Receives, unpacks, inspects and stores incoming materials and supplies. Uses shipping records to verify the accuracy of incoming and outgoing shipments …
Skills: Shipping and Receiving, Material Handling, Forklift Operation, Inventory Management, Data Entry
Position Summary: Crane Company has delivered innovative and technology-led solutions to its customers since its founding in 1855. Today, Crane is a leading manufacturer of highly engineered components for process flow i…
Skills: Problem Solving, Root-cause Analysis, Microsoft Word, Microsoft Excel, Microsoft Outlook
Sign up with Clera and we'll reach out the moment a role actually fits you — no more spraying applications into the void.
$58k–$78k/yr
Full-time
bachelor degree, postgraduate degree
Holistic Wellbeing Programs
Posted 36d ago
~40 hrs/week
Responsibilities
Perform financial analysis and risk assessments for commercial credit portfolios to determine applicant creditworthiness. Prepare accurate credit memos and collaborate with relationship managers to structure and manage loans.
Requirements
Requires a Bachelor's degree in Finance, Accounting, or a related field and three to five years of commercial underwriting experience. Must possess strong mathematical skills and proficiency in advanced accounting principles.
Full job description
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.
The Commercial Underwriter II is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight. As the associate progresses in learning objectives, they will begin to underwrite increasingly complex commercial relationships to determine the creditworthiness of applicants within bank credit policies and guidelines. This role involves financial statement analysis, risk assessment and strategic decision making with guidance from the Associate Credit Officer and experienced underwriters. The position requires intermediate knowledge of underwriting principles and strong decision making skills.
Essential Functions/Responsibilities
Performs financial analysis and risk assessment for the commercial credit portfolio Within the Business Banking , Commercial & Industrial, Commercial Real Estate, or Specialty Commercial (Asset Based, Structured Cash Flow and ESOP) business lines of the Bank. Focus on new business and larger and/or more complex renewal transactions.
Reviews commercial loan applications and analyzes credit information on commercial applicants to make a general assessment of applicant’s creditworthiness. Determines whether or not the proposed loan will conform to the Bank’s lending policy. Provide feedback to the Sales and Credit teams, as appropriate, regarding the structure, underwriting, and management of loans. Maintain on-going communication with all appropriate management on the status of transactions.
Work directly with relationship managers and portfolio managers during underwriting process, including discussion with clients on credit and financial statement questions.
Financial statement spreads and covenant testing for existing clients not assigned to credit portfolio analyst.
Complete accurate Credit Memos for presentation to the appropriate credit authorities for decision-making on new loan credit requests, renewals, loan modifications, and periods credit reviews. Provide commentary within the credit memo as to underwriter support of such credit request or review.
Assist in the management of workflow and assigned credits
Attend local/ regional meetings
Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job
Bachelor’s Degree, preferably in Accounting, Finance, Economics, Business Administration
Three to five years of credit or Business Banking underwriting experience
Proficiency in mathematical concepts, in order to apply to practical situations.
Knowledge of advanced accounting principles and techniques
Strong interpersonal and communication skills
Strong organizational skills with attention to detail, planning and follow-up
Ability to work independently on multiple tasks without compromising quality
Proficient use of Microsoft Office and other internet resources
Team oriented
Preferred Knowledge and Skills
Master’s Degree in Business
Level of Complexity and Scope
Manages a broad range of commercial loan applications across various industries and risk factors. The complexity is heightened by the need to understand intricate business operations, financial health, and industry-specific risk
Degree of Independence and Decision-Making
Moderate to high level of independence compared to entry-level positions. They are expected to make decisions on underwriting commercial loan applications, assess risk, and underwriting decisions with a certain level of autonomy.
Required Supervisory Responsibilities
No direct supervisory responsibilities.
Physical Requirements
Prolonged periods of deskwork.
Frequent use of computer, keyboard, phone and office equipment.
Occasional moving within the office or to other locations within the building.
Occasionally lifting and carrying light objects, typically up to 10-15 pounds.
Occasionally reaching for items on shelves or in drawers.
Clear and effective communication in person and over the phone.
Ability to move within an office environment.
Compliance Statement
The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.
Development and Training
Pay Range:
$58,000/year to $78,000/year
Benefits
We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide.
Incentive Eligibility
All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.
It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.
We are an E-Verify Employer.
Related keywords
Commercial UnderwritingBusiness BankingCommercial Real EstateC&IAsset Based LendingStructured Cash FlowESOPCredit MemoFinancial SpreadsBank Credit PolicyRisk ManagementCreditworthinessFinancial AnalysisComplianceBSAAML
First Financial Bank has been in the business of client service and success for more than 150 years. With more than 130 banking centers across Ohio, Indiana, Kentucky, Illinois and Michigan, we combine world-class financial expertise with personal community service that builds lifelong relationships.
Offices: 255 E 5th Street, Cincinnati, OH 45202, US