First Financial Bank · 2 days ago
Commercial Underwriter III
Worthington, OH
Full-time
Onsite
Senior Level
$74K/yr - $98K/yr
5+ years expFirst Financial Bank is committed to doing the right things in a way that is relevant to their clients. The Commercial Underwriter III is responsible for evaluating and underwriting complex commercial relationships, assessing risk, conducting financial statement analysis, and ensuring compliance with policies and regulations.
BankingCreditDebit CardsFinanceFinancial ServicesLending
Responsibilities
Performs financial analysis and risk assessment for the commercial credit portfolio including Business Banking, Commercial & Industrial, Commercial Real Estate, and any other business line established by Bank
Review commercial loan applications and analyzes credit information 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 Business Unit Manager, Regional and/or Market President, Senior RM and Commercial Credit Officer (CO), as appropriate, regarding the structure, underwriting, and management of loans
Maintain on-going communication with all appropriate management on the status of transactions
Spread statements for all new business opportunities and renewals not assigned to credit portfolio analyst
Financial spreading and cash flow/CRE template preparation for pre-screen/opportunity memo for prospects and new loans to existing clients
Prepare credit memos for new and renewal requests on complex credits and large clients, including those going before the Senior Credit Committee
This position could also serve as point of contact on large credits and/or will be assigned a portfolio of clients
Work with Commercial Relationship Managers in the preparation of complete and accurate CARs for presentation to the appropriate credit authorities for decisions on transaction credit requests and reviews
Attendance of loan committees when a CAR is being presented
Finalization of changes to CAR and verification of approval process in accordance with FFB policy
Work directly with Senior Relationship Managers, Business Unit Managers, and Regional Presidents in respective region
Includes attending local / regional meetings as necessary
Focus on new business and larger and/or more complex renewal transactions
Serve as additional point of contact on large credits and be present with RM/RA in discussions with client on financial statement questions
Assist RM/RA in maturity tracking for their assigned region
In conjunction with the CO, lead in the preparation of periodic portfolio reports assessing on-going risk
Assist in the management of workflow and assigned credits
Additionally, this associate’s responsibilities may include helping mentor, train and guide other Underwriters as needed
Qualification
Required
Bachelor's Degree, preferably in Accounting, Finance, Economics, or Business Administration
Five (5) 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
Preferred
Master's degree in Business
Benefits
We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing.
Company
First Financial Bank
First Financial Bank has been in the business of client service and success for more than 150 years.
1001-5000 employees
H1B Sponsorship
First Financial Bank has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (1)
2024 (2)
2022 (1)
2021 (2)
Funding
Current Stage
Public CompanyTotal Funding
$300M2025-11-06Post Ipo Debt· $300M
1983-12-30IPO
Leadership Team
Rick Dennen
Chief Corporate Banking Officer
Recent News
Retail Banker International
2026-01-05
2026-01-03
2026-01-03
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