Commercial Healthcare Underwriter - Senior Housing / Independent - Assistant Living

• Focus primarily on senior housing, hospitals and ancillary medical services.
• Underwrite and decision new credit requests, renewals, and modifications focusing on appropriate due diligence, risk assessment and asset quality ratings (AQR).
• Meet quality standards as outlined in ONB underwriting guidelines and policy.
• Produce high quality and accurate analysis while also not sacrificing efficiency in a fast-paced, high volume environment juggling multiple requests while adhering to client driven response timelines, etc.

• Provide credit expertise using a consultative approach; assist in structuring loans applying proficient knowledge, understanding, and application of ONB guidelines/standards/policies, risk assessment and analysis; effectively communicate risks, questions, and options to RM seeking win-win solutions.
• Develop and enhance knowledge of assigned segmentation and portfolio by leveraging internal and external resources and expertise.
• Partner well with associates on revenue generating sales team, support teams and others in Credit to ensure a collaborative, team, and empowered environment.

• Accurately assign asset quality ratings (AQR).
• Work with assigned RMs to monitor the credit portfolio to maintain strong asset quality; review quarterly trend analysis reports, address default situations, delinquencies, review maturing notes, receipt of financial information, review covenant default and Borrowing Base Certificate (BBC) reports and other reports as appropriate.
• Prepare cash flows and monitor key metrics to present quarterly to ONB’s executive team and internal reviewers as part of the Healthcare Portfolio Review meetings.

• Communication – effectively shares information and ideas with individuals and groups; displays organization and self-management, tailors the delivery to the audience, and selects suitable delivery methods.
• Collaboration – actively seeks, develops and maintains trusted relationships with others to achieve business goals and objectives.

• Drive and Execution - committed to achieving established goals, overcoming obstacles, and continuously learning; focuses on ways to succeed by changing strategies, increasing effort, using varying approaches; seeks and leverages opportunities to collaborate with others to achieve results.
• Problem Solving/Decision Making – with minimal oversight, seeks to identify what caused an issue; incorporates input from multiple sources (e.g., lines of business, subject matter experts, data, policies, procedures, etc.) to ensure effective action and shared ownership; decisions are sound based on what was known at the time and are based on a blend of analysis, wisdom, experience, and judgement.
• Adaptability – flexible and agile (can be a utility player); modifies behavior and approach to deal effectively with changing business needs, conditions, work responsibilities and requirements, and client needs; maintains effectiveness when experiencing change; accepts new challenges/shifts/change in a "can-do" way; focuses on the beneficial aspects of change.
• Technical Knowledge – possesses the required technical knowledge to perform the role effectively; continuous learning to adopt new trends or expertise; applies credit and banking expertise, industry knowledge, skills and abilities to demonstrate and sustain a depth and breadth of applicable technical underwriting knowledge.

• Client Leadership - Puts the client in the forefront; strives to delight clients/partners by becoming a trusted advisor, establishes long-term productive relationships by viewing and understanding outcomes and operations through the eyes of the client, identifying and acting upon needs, and delivering increased value.

• 3 - 7 years of Commercial Credit experience required.
• Healthcare Underwriting experience required.
• Bachelor’s degree in finance, accounting or related field.
• Demonstrated ability to independently (with limited oversight), understand, analyze and interpret financial statements.
• Demonstrated ability to independently (with limited oversight), build out cash flows in order to determine borrower’s overall ability to repay debt.
• Understands and takes appropriate action related to risks associated with lending to healthcare borrowers.
• Basic knowledge of loan structuring, borrowing causes and lending regulations; ability to comply with and conform to ONB lending policies, guidelines and standards.
• Proficient in excel and a firm understanding of key bank underwriting metrics.
• Must be able to make sound independent decisions and communicate those decisions clearly and effectively to the internal/external client quickly given the high volume, fast-paced environment.
• Must be able to actively listen, quickly identify issues as well as opportunities when they arise, and problem solve in real-time to move the work accordingly.
• Must feel comfortable working in a collaborative team environment along with being an independent thinker.

• Meet or exceed CAM production expectations.
• Ensure acceptable quality and accuracy of work as assessed by loan review, OCC, and/or management.
• Maintain strong asset quality demonstrating sound underwriting, credit decisioning and credit monitoring.
• Contribute to the bank’s financial success by achieving targets for credit quality and supporting the bank’s growth goals.

Old National Bank