Fifth Third Bank Business Banking Senior Underwriter in Indianapolis, Indiana

JOB DESCRIPTION:

Fifth Third Bank is one of the top-performing banks in the country, with a heritage that spans more than 150 years. We've staked our claim on looking at things differently to making banking a Fifth Third Better. This applies to our relationships with customers and employees alike.

We employ about 18,000 people, and what we offer is:

# A chance for employees to build their future, with supportive career development and financial wellness programs.

# An environment where we win together. We celebrate achievement and work collaboratively. We're also a three-time Gallup Great Workplace honoree.

# An invitation to impact lives in a positive and lasting way. Everything we do is geared toward improving lives. That's fun and exciting.

It comes down to the fact that Fifth Third is a warm and caring place to with which to grow # as a customer or as a team member.

Fifth Third Bank's Business Banking division is recognized as an industry leader in helping companies reach their business goals as well as their personal financial goals. From treasury management solutions, to lines of credit and loans, to employee savings plans, we partner with small business owners to position their business for success.

GENERAL FUNCTION: Review and decision small business loan applications, in a centralized

environment, for business banking credits up to $250K. Assist junior loan underwriters through the

loan decision process, offering expertise on financial analysis and loan structuring. Provide

continued support to Banking Center personnel relating to the communication of loan decisions

and financial analysis. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always

doing the right thing for customers and colleagues, and ensures that actions and behaviors drive

a positive customer experience. While operating within the Bank's risk appetite, achieves results

by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES & RESPONSIBILITIES:

Underwriting

  • Assists the Team Lead Loan Underwriter with the more complex credits

  • Responsible for spreading financial statements based on information provided in the loan

package.

  • Provide loan decisions and/or credit recommendations based on a review of all underwriting

criteria, including loan structure, collateral, interest rate, and fees.

  • Effectively communicate loan decision to loan originator.

  • Identify and review all necessary due diligence items.

  • Assist Documentation Specialist, if needed, with the following:

o Loan documents - ordering and review.

o Preparation of the Loan Closing Settlement Statement.

o Preparation of loan closing checklist.

Administrative

  • Mentors junior loan underwriters through all stages of the underwriting process

  • Fills role of Underwriter Team Lead in his/her absence

  • Effectively communicate loan decision to loan originator.

  • Negotiate terms & conditions of loan with originator.

  • Provide the necessary coaching of Banking Center staff, to enhance the understanding of the

small business customer.

  • Identify and communicate cross-sell opportunities discovered during the underwriting process.

  • Trains department employees.

  • Miscellaneous job duties as assigned.

SUPERVISORY RESPONSIBILITIES: None

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED: College degree in accounting, finance

or economics is preferred. 3+ years of credit analysis and/or loan review experience, preferably

in the banking industry. Must be proficient in basic software applications such as Microsoft

Access, Word and Excel. Familiarity with the Bank's internal applications is helpful. Must be

attentive to detail and possess excellent verbal and written communication and organizational

skills.

Fifth Third Bank is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.