As an SBA Underwriter III at Huntington, you will take on significant responsibilities such as underwriting Business Banking loans, assessing credit worthiness, managing a personal pipeline, and making complex credit decisions for loans up to $4 million. You'll also train new team members and assist with additional duties as necessary to support our business goals.

To qualify for the SBA Underwriter III position at Huntington, you should possess at least a Bachelor’s degree and five or more years of experience in business or commercial underwriting. It's crucial to have experience in a centralized lending environment and the ability to make independent decisions regarding credit approvals.

Huntington places a strong emphasis on professional development, particularly for roles like the SBA Underwriter III. You'll have opportunities to mentor new hires and share your expertise with the UWI and UW II job families, fostering a supportive learning environment and promoting growth within the team.

The SBA Underwriter III role at Huntington offers a flexible workplace approach, combining both in-office and remote working opportunities. This flexibility allows you to maintain work-life balance while deepening professional connections with your team.

Success as an SBA Underwriter III at Huntington hinges on a blend of strong analytical skills, excellent written and verbal communication, attention to detail, and robust organizational abilities. Additionally, being highly motivated and focused on customer service will help you thrive in this dynamic environment.

In your answer, highlight specific examples from your past roles that showcase your commercial underwriting experience. Discuss any particular challenges you faced, the decisions you made, and the outcomes of those decisions, particularly regarding loan approvals and risk assessments.

When addressing this question, emphasize your analytical skills and the steps you take to evaluate a borrower's financial history, creditworthiness, and overall risk profile. You might mention reviewing financial statements, credit reports, and loan performance histories.

Your response should focus on your qualifications, such as relevant experience in underwriting or past roles where you had similar authority. Highlight successful loans you’ve approved in the past and how they contributed to the organization's objectives.

Discuss your time management strategies, detail-oriented approach, and any technological tools you utilize to streamline your underwriting process. Mention specific techniques that help you maintain quality while working under pressure.

Share your philosophy on mentoring, including how you provide support and guidance to new team members. You could explain a successful training program you've been part of, outlining the results achieved through your mentorship.

Mention specific software tools you're familiar with, like financial modeling programs or databases used in underwriting. Stress how your proficiency in these tools has helped enhance your efficiency and accuracy in decision-making.

Provide a detailed scenario where you faced a challenging underwriting decision. Explain the factors you considered, how you arrived at your conclusion, and the eventual outcome, focusing on what you learned from the experience.

Your answer should include discussing your familiarity with regulatory guidelines and internal lending policies. Share your process for double-checking adherence to these policies before making loan approvals.

Share personal motivations, such as helping businesses succeed, making informed financial decisions, or achieving team goals. Connecting your motivations to Huntington's values will resonate well with interviewers.

Reflect on your communication style and how it facilitates teamwork and collaboration. Be honest about your strengths and provide examples of situations where effective communication benefitted the team or project.