Commercial Underwriter III, Food & Agribusiness
Company: First Financial Bank
Posted on: November 22, 2021
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If you are interested and qualified for this role, we invite you to
The Food & Agribusiness Underwriter is a member of the credit team
supporting the Food and Agribusiness initiative of First Financial
Bank. They are responsible for all credit activities related to
this large and complex loan portfolio and will work closely with
sales, support, legal, finance, and accounting staff to accomplish
team goals. They will also serve as a resource to other staff
throughout First Financial Bank.
--- Performs financial analysis and risk assessment for the
commercial credit portfolio for Food & Agribusiness. May back up
other business lines as needed and established by the 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.
--- 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
--- Provides feedback to the Managing Director of Business Capital,
Director of Food & Agribusiness, Senior RM and Specialty Credit
Officer (CO) as appropriate, regarding structure, underwriting, and
management of loans.
--- 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
--- 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
--- 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
--- 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.
--- Assist on special projects as needed
Minimum Knowledge, Skills, and Abilities Needed to Perform
Essential Functions of the Job:
--- Requires at least 5 years of credit or Business Banking
--- Proficiency in mathematical concepts, in order to apply to
--- Knowledge of advanced accounting principles and techniques
--- Strong interpersonal and communication skills
--- Bachelor's Degree, preferably in Accounting, Finance,
Economics, Business Administration, Agriculture or related
--- Master's Degree in Business, encouraged but not required
--- Occasionally lifts and carries up to 20 lbs.
--- Occasionally stand and walks.
--- Frequently sits.
Compliance Statement: The associate is responsible for meeting all
compliance requirements imposed on First Financial Bank by State
and Federal law and regulation, as well as all related First
Financial Bank policies and procedures. This includes all Bank
Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity
reporting requirements, as well as all other lending and deposit
It is our policy to not discriminate against any individual in
violation of federal, state, and local laws as it relates to age,
race, color, religion, national origin, sex, marital status,
pregnancy, gender identity, disability, sexual orientation, genetic
information, veteran/military service, or any other characteristic
protected by law.
We are an E-Verify Employer.
Keywords: First Financial Bank, Cincinnati , Commercial Underwriter III, Food & Agribusiness, Other , Cincinnati, Ohio
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