As a Business Banking Underwriter IV at Huntington, your primary responsibilities include underwriting various Business Banking loans, assessing the creditworthiness of clients, and ensuring compliance with bank policies. You'll maintain a personal pipeline of work, review financial applications, assess risk profiles, and utilize your decision-making authority to approve loans up to $4 million. Additionally, you'll mentor new hires and support your team in achieving departmental goals.

To qualify for the Business Banking Underwriter IV position at Huntington, candidates should hold a Bachelor's degree and have over 7 years of experience in business or commercial underwriting. Preferred qualifications include experience in a leadership or management role, previous authority to underwrite loans without additional approvals, and strong communication skills. Proficiency in Microsoft Office and a focus on customer service are also essential.

The Business Banking Underwriter IV role at Huntington is primarily office-based in Charlotte, NC, with options for flexible work arrangements. This setup allows for a blend of in-office collaboration and remote work opportunities, ensuring that employees can maintain connections and community with their teams while also having the flexibility to work from home when the situation calls for it.

The salary range for the Business Banking Underwriter IV position at Huntington is between $70,000 and $140,000 annually. This range may vary based on factors such as your experience, performance, and location. Additionally, there are opportunities for incentive compensation, making it an attractive package for qualified candidates.

At Huntington, we value the growth of our employees, especially for roles like the Business Banking Underwriter IV. You'll have the opportunity to mentor new hires, which enhances leadership skills and fosters professional development. We also provide a collaborative working environment, enabling you to learn from others and contribute to the team’s success.

When answering this question, share specific examples from your past experiences where you successfully underwrote loans with intricate structures. Highlight any particular challenges you faced and how you navigated them. Emphasize your understanding of risk assessment and decision-making processes that align with Huntington's underwriting policies.

In your response, explain the factors you consider when assessing creditworthiness, such as financial history, cash flow, and credit reports. Providing examples of your analysis and decision-making process will demonstrate your expertise in the field and how it relates to Huntington's objectives for risk assessment.

Here, you should discuss any underwriting software or tools you have experience with, as well as how these tools contribute to making informed decisions. Mention your adaptability in learning new systems, especially considering Huntington may utilize specific platforms for underwriting processes.

Use this question to showcase your leadership abilities. Talk about a specific situation where you provided guidance or support to a junior colleague. Highlight the methods you used to train them and how you ensured they understood the complexities involved in underwriting at a high level, similar to Huntington's standards.

Here, you should describe your personal strategies to manage multiple tasks effectively. Discuss any organizational tools or methods you employ, such as prioritizing tasks, setting deadlines, or utilizing checklists. Link these strategies back to how they contribute to achieving the goals of your team's underwriting efforts at Huntington.

In your answer, explain your risk assessment process and how you address potential issues. Discuss your approach to gathering additional information, consulting with team members, and ensuring compliance with lending policies, which are vital aspects of Huntington’s underwriting framework.

Your response should demonstrate your commitment to customer service. Discuss how you balance the need for thorough risk assessment with ensuring a positive experience for clients. Illustrate practices that allow you to communicate transparently with clients during the underwriting process, maintaining rapport even when additional information is required.

This question is an opportunity to showcase your time management skills. Share specific instances where you've met tight deadlines in your work and how you remained focused under pressure. Emphasize your proactive planning and prioritization methods, especially as they relate to Huntington's expectations for efficiency in underwriting.

Discuss your understanding of various KPIs relevant to underwriting, such as loan approval rates, turnaround times, and default rates. Explain how tracking these metrics can not only help you gauge personal performance but also align with Huntington’s goals of achieving high standards in lending practices.

For this question, express your reasons for wanting to join Huntington, such as its reputation, values, and commitment to employee development. Talk about how your career aspirations align with the responsibilities of a Business Banking Underwriter IV and how you envision contributing to the team and the organization's success.