• Demonstrated ability to decision large and complex credits, offer structure guidance using financial and legal expertise.
• Strong analytical, organizational skills along with the ability to prioritize multiple projects.
  Pleasant interpersonal skills and effective communication skills, both written and verbal.
• Occasional travel to other offices or client locations.
• Ability to clearly communicate risk criteria, respond objectively and with confidence when challenged and involve the Credit Executive as appropriate.
• Bachelor’s degree in business with a major in finance or accounting.

• Independently prepare well written approval presentations, including what is being requested, why it is being requested, analysis of the property’s market and location, the background and history of the sponsor, and key risks and mitigating factors. Such presentations should also justify assigned risk rating and show that the Bank policies, procedures, and regulations are met.
• Develop or review detailed cash flow payment analysis to evaluate adherence to ONB Loan Standards.
• Review and decision loans within your credit approval authority after your probationary period expires.
• Lead projects as suggested/requested by management while maintaining volume and accuracy in underwriting.
• Contribute to the development and improvement of ONB Underwriting guidelines and presentations on a periodic basis.
• Maintain an Individual Development Plan (IDP) which details goals towards achievement of Credit Risk Certified (CRC) with Risk Management Association (RMA) or other advanced level certifications and other internal training classes/programs.
  Maintain controls to ensure regulatory compliance.
• Review and approve work done by others; act as a mentor and assist in the development of commercial credit analysts and underwriters.
• Assist Commercial Relationship Managers (RMs) in managing workflow via a pipeline process. Prioritization of new prospects, renewals/upcoming maturities, material modifications, as well as developing a working knowledge of prospective opportunities. Accompany Commercial RMs on client and prospect calls in conjunction with completion of the underwriting process.
  Review and analyze financials including rent rolls, leases, operating statements, guarantor personal financial statements, global cash flow statements, and tax returns.
• Review third party reports such as real estate appraisals, CoStar market reports, property condition reports, environmental reports, and/or property inspections.
• Interact with clients to ensure receipt of financial information necessary to support the underwriting process.

Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles.

As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law.

We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the Head of Talent Acquisition, SVP, to fill a specific position