COMMERCIAL CREDIT UNDERWRITER II

Description STAR Financial Bank is an Indiana-based community bank known for its culture of delivering quality service, personalized banking solutions, and innovative use of technology for more than 80 years. We are proud to be a community bank in every aspect of the word. Beyond monetary giving and employee volunteerism, STAR is dedicated to partnering with the people and organizations that improve our communities. At every one of our locations, employees demonstrate their commitment to STAR and our customers by honoring our core values of Honesty & Integrity, Accountability, Respect for All, Do What’s Right, Commitment to Lifelong Learning, Community Leadership, Being Progressive, Celebrating Success and Remaining Independent. STAR Financial Bank proudly celebrates diversity and remains conscious of the realization that diversity is not solely represented by physical characteristics. STAR is an equal opportunity employer (EEO) with a commitment to inclusivity for all employees and applicants without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, pregnancy, age, disability, genetic information, marital status, or status as a covered veteran in accordance with applicable federal, state, and local laws. STAR complies with applicable STAR and local laws governing non-discrimination in employment in every location in which we have facilities. The Commercial Credit Underwriter II position is included in a workplace model that allows a combination of remote and in-person work. As a Commercial Credit Underwriter II, the essential responsibilities include: Underwrites commercial and business loan requests identifying credit, collateral-asset, transaction, interest rate, compliance and strategic risk contained in the proposed transaction. Evaluates and analyzes cash flow on a borrower’s commercial loan requests including stress testing scenarios, appropriate to the transaction. Underwrites collateral of a commercial loan request to determine quality and liquidity. Analyzes industry & market risk and economic conditions. Identifies concentrations and risk(s) assumed by borrowers and lessees. Creates projections when necessary. Analyzes financial statements and tax return. Develops written presentations and analysis with recommendations for approval by Executive Credit Committee. Obtains and analyzes personal and business credit reports, lien search documents, etc. Identifies and assists Commercial Bankers in the establishment of covenants, lending structure and collateral adequacy appropriate to the transaction. Identifies policy, procedure and documentation exceptions and risks. Measures and identifies risk – reward ratio and returns, risk ratings etc. Participates in client calls and site visits as necessary and facilitates client interaction and dialogue with regards to identifying risks. Underwrites Small Business loan requests. Assumes the responsibilities of the senior Credit Underwriter (Credit Underwriter III) in their absence. Manages other projects within the department to support commercial lending activities for the Bank and monitor’s credit risk in the portfolio. Completes testing for financial covenants for assigned credits as appropriate. Validates accuracy of information submitted to Bank’s borrowing base monitoring system by borrower’s. Skills Needed Strong analytical skills and attention to detail. Excellent written and oral communication skills. Ability to work with multiple priorities. Excellent organization skills. Ability to provide superior customer service to both internal and external clients. Proven skills to mentor and coach individuals. Intermediate skills in Microsoft Office Suite products. In addition to traditional compensation and benefits packages, our leaders continue to collaborate to launch innovative employee benefits and perks including, Affordable Medical/ Vision/ Dental Coverage • Flexible Dependent Care Account • Health Savings Account (with employer contributions) • Prescription Drug Plan • Employee Wellness Initiatives (physical/mental/financial) • Health Management Reimbursement Program • Short Term/Long Term Disability • Life Insurance • Tuition Reimbursement • Competitive Pay and Bonus Program • 401k (with employer match) • Generous Paid Time off including 11 1/2 holidays. ** Eligibility of benefits are determined by employment status classification and may be discussed during the interview process. Qualifications Skills Behaviors : Motivations : Education Preferred Bachelors or better in Accounting or related field. Bachelors or better in Finance or related field. Masters or better in Accounting.