Business Banking Credit Center; BBCC Underwriter

Business Banking Credit Center (BBCC) Underwriter

The primary role is to analyze business banking level loan applications, ensure loan structures are appropriate and consistent with bank lending standards, assign an appropriate asset quality rating, and decide applications with assigned lending authority. To maximize efficiency these positions will leverage a small business scoring model to aid in the evaluation of loan requests. In some instances, the underwriter will conduct more detailed financial analysis to obtain a deeper understanding of an application's credit risk.

A BBCC underwriter collaborates with Business Bankers, internal support staff, and documentation associates to aid in the end‑to‑end journey of a business banking loan as needed. Office locations can be Evansville, IN;
Chicago area;
Minneapolis/St. Paul area; and Indianapolis, IN.

Salary Range: $60,000.00 – $ per year.

Key Accountabilities

• Meet or exceed set application production requirements.
• Identify high‑risk applications and mitigate those risks appropriately.
• Exercise granted authority confidently and with integrity.
• Produce a high quality and accurate analysis while also maintaining efficiency.

Work collaboratively with production associates, support staff, and teammates

• Collaborate with associates directly involved in the Business Banking lending process while exceeding applicant expectations.
• Maintain group mailbox, manage application pipeline, assist in completing department‑level administrative responsibilities, and participate in projects as needed.
• Engage with, learn from, and teach department staff to maximize internal growth and development opportunities.

Grow and develop key technical requirements of the position including systems, scoring model usage, and loan policies, procedures and guidelines

• Proficient in using multiple internal or third‑party systems.
• Maintain a general understanding of the scoring model and its application when guiding loan decisions, and the ability to analyze financial statements, calculate ratios, and apply results to assess risk.
• Proficient in understanding and applying loan policies, guidelines and standards.

Additional Accountabilities (Senior BBCC UW)

• Serve as the right‑hand of the department manager to assist in reviewing and deciding applications for other underwriters, conflict resolution, training and developing less experienced underwriters, and filling in when the manager is absent.
• Handle special projects at the discretion of the manager.
• Develop leadership competencies required for a management role.

Key Competencies for Position

Cultural Leadership

• Communication – effectively share information and ideas with individuals and groups; display self‑awareness and self‑management.
• Inclusiveness – demonstrate strong self‑awareness and respect for individual and cultural values, fostering inclusion, belonging and engagement.
• Collaboration – actively seek, develop and maintain trusted relationships with others to achieve business goals.

Execution Leadership

• Drive & Execution – committed to achieving established goals, overcoming obstacles, and continuously learning to improve performance.
• Accountability – accept full responsibility, follow through on commitments, and learn from mistakes.
• Attention to Detail – complete work thoroughly and accurately, pursuing quality.
• Adaptability – modify behavior and approach to deal effectively with changing needs and conditions.
• Problem Solving / Decision Making – identify causes, incorporate input from multiple sources, and make sound decisions based on analysis and judgment.
• Technical Knowledge – possess required technical knowledge and continuously learn new trends or expertise.

Client Leadership

• Delight internal and external clients by becoming a trusted advisor, building long‑term productive relationships and delivering increased value.

• Bachelor's degree in finance, accounting or related field OR equivalent experience.
• Agricultural underwriting experience is a plus.
• Ability to analyze and interpret financial statements and understand basic accounting principles.
• Understands risks associated with lending to…