Northwest Bank
VP, Commercial Underwriter – Franchise Finance
Northwest Bank, Independence, Ohio, United States, 44131
VP, Commercial Underwriter – Franchise Finance
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VP, Commercial Underwriter – Franchise Finance
role at
Northwest Bank . **Job Description:** The VP, Commercial Underwriter – Franchise Finance serves as the primary underwriter for complex relationships in the large corporate and middle market portfolio for Northwest Bank. The role requires the ability to perform in-depth qualitative and quantitative analysis at the client, industry, and macroeconomic levels. The Commercial Underwriter is expected to design and recommend credit structures to senior leadership, aligning with client needs and the Bank's risk appetite. Regular client contact will be part of underwriting and portfolio management duties. When Northwest Bank is the lead agent, the Underwriter will prepare loan syndication market materials, supporting documentation, and may participate in sell-side activities. **Essential Functions:** Prepare detailed credit memoranda for complex lending relationships. Conduct comprehensive analysis of client financial statements. Recommend appropriate loan structures, including covenants and definitions. Identify credit strengths, weaknesses, risks, and mitigating factors. Determine scope for underwriting and due diligence based on client risk profile. Participate in joint calls with Relationship Managers. Maintain knowledge of macroeconomic factors affecting markets. Identify and track policy exceptions. Monitor ongoing risk and recommend proactive actions. Prepare periodic reviews for portfolio relationships. Recommend and defend risk ratings. Negotiate legal documentation with outside counsel. Develop financial forecasts and enterprise valuations. Ensure compliance with policies and regulations. Utilize Microsoft Office and department-specific software for efficiency. Work collaboratively within a team. **Education & Experience:** Bachelor’s degree in Finance, Accounting, or related field. 5-6 years of underwriting experience in Restaurant and Franchise Finance sector. Northwest Bank is an equal opportunity employer committed to an inclusive environment.
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Join to apply for the
VP, Commercial Underwriter – Franchise Finance
role at
Northwest Bank . **Job Description:** The VP, Commercial Underwriter – Franchise Finance serves as the primary underwriter for complex relationships in the large corporate and middle market portfolio for Northwest Bank. The role requires the ability to perform in-depth qualitative and quantitative analysis at the client, industry, and macroeconomic levels. The Commercial Underwriter is expected to design and recommend credit structures to senior leadership, aligning with client needs and the Bank's risk appetite. Regular client contact will be part of underwriting and portfolio management duties. When Northwest Bank is the lead agent, the Underwriter will prepare loan syndication market materials, supporting documentation, and may participate in sell-side activities. **Essential Functions:** Prepare detailed credit memoranda for complex lending relationships. Conduct comprehensive analysis of client financial statements. Recommend appropriate loan structures, including covenants and definitions. Identify credit strengths, weaknesses, risks, and mitigating factors. Determine scope for underwriting and due diligence based on client risk profile. Participate in joint calls with Relationship Managers. Maintain knowledge of macroeconomic factors affecting markets. Identify and track policy exceptions. Monitor ongoing risk and recommend proactive actions. Prepare periodic reviews for portfolio relationships. Recommend and defend risk ratings. Negotiate legal documentation with outside counsel. Develop financial forecasts and enterprise valuations. Ensure compliance with policies and regulations. Utilize Microsoft Office and department-specific software for efficiency. Work collaboratively within a team. **Education & Experience:** Bachelor’s degree in Finance, Accounting, or related field. 5-6 years of underwriting experience in Restaurant and Franchise Finance sector. Northwest Bank is an equal opportunity employer committed to an inclusive environment.
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