Commercial Underwriter Corporate Banking, Middle Market, or Specialty Banking

Overview

Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. We thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving.

We continually seek highly motivated and talented individuals. In return, we offer competitive compensation with our salary and incentive program, medical, dental, and vision insurance, 401(k), continuing education opportunities, and an employee assistance program. Impact Network Groups led by team members promote diversity, equity, and inclusion across the organization.

As a Commercial Underwriter in the applicable segmentation (Corporate Banking, Middle Market, or Specialty), you will have the primary responsibility of underwriting lending opportunities while balancing risk and growth. You will ensure loan structures are appropriate and consistent with bank lending standards and assign an appropriate asset quality rating in a fast‑paced, high‑volume environment. Your detailed financial analysis will deepen understanding of an application's credit risk.

You will collaborate with Relationship Managers, internal support staff, and others to provide credit expertise, underwrite, and monitor the portfolio.

Key accountabilities include:

• Underwrite renewals and new credit requests focusing on appropriate due diligence, risk assessment and asset quality ratings (AQR).
• Meet quality standards as outlined in ONB underwriting guidelines and policy; evaluation may identify unacceptable underwriting or inaccurate AQR.
• Meet or exceed productivity expectations for annual credit approval memorandum (CAM) volume.
• Produce a high quality and accurate analysis while maintaining efficiency in a fast‑paced, high‑volume environment.

Partner with respective Relationship Managers:

• Provide credit expertise using a consultative approach; assist in structuring loans applying knowledge of ONB guidelines, risk assessment, and analysis. Communicate risks, questions, and options to RMs to achieve win‑win solutions.
• Deliver exceptional internal customer service and adopt new processes and tools as available.
• Develop and enhance knowledge of assigned segmentation and portfolio by leveraging internal and external resources and expertise.
• Partner well with associates on revenue‑generating sales team, support teams, and others in Credit to ensure a collaborative and empowered environment.

Monitor portfolio:

• Accurately assign asset quality ratings (AQR).
• Work with assigned RMs to monitor the credit portfolio, maintain strong asset quality, review trend analysis reports, address default situations, delinquencies, maturing notes, financial information, covenant default and borrowing base certificate reports, and other relevant reports.
• Prepare credit data for Special Assets Assessment and Action Summary (SAAAS) and Upgrade Hurdles, working with assigned RMs.
• May monitor overlines and Treasury Management/ACH risk reports or other trends as appropriate.

Compelling Communication

• Effectively and transparently shares information and ideas with others.
• Toggles communication style to engage the audience and make it easy to understand and retain.
• Unites others toward common goal.
• Asks for others' opinions, listens actively, and gains support when clarifying expectations and solving problems.

Makes Decisions & Solves Problems

• Takes ownership of problems while collaborating with others, acting with appropriate urgency.
• Collaborates and seeks root causes of problems.
• Evaluates new information, recommends sound solutions, and acts consistently with available facts and constraints.

Delights Clients

• Passionately serves internal/external clients with excellence.
• Maintains growth mindset, staying current with developments that influence client satisfaction.
• Understands data, metrics, and financial information and how they tie to client satisfaction and business outcomes.
• Nurtures client relationships by listening, prioritizing, and acting responsibly to meet…