Overview 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 ability to independently perform highly in-depth qualitative and quantitative analysis at the client, industry and macroeconomic levels is required. The Commercial Underwriter is expected to design and recommend credit structures to senior leadership which align with the needs of the clients and the risk appetite of the Bank. Regular client contact will occur as part of the underwriting and portfolio management duties. Where Northwest Bank is the lead agent, the Commercial Underwriter will be involved in the preparation of loan syndication market materials and other supporting documentation and may participate in sell-side activities. Essential Functions Prepare detailed credit memorandum for complex lending relationships Complete comprehensive analysis on client financial statements Recommend proper loan structure, including appropriate covenant formulas and definitions Identify credit strengths, weaknesses, risks and mitigating factors Determine the required scope for underwriting and due diligence based on client risk profile Participate in joint calls with Relationship Managers Maintain a working knowledge of macroeconomic factors affecting national and global markets Identify and track loan and credit policy exceptions Monitor ongoing risk in the assigned portfolio and recommend proactive action if necessary Prepare annual or quarterly reviews for relationships within the portfolio, as required Recommend and defend appropriate risk ratings Review and negotiate legal documentation with outside bank counsel Develop financial statement forecasts and enterprise valuations Ensure compliance with Northwest's policies and procedures, and Federal / State regulations Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency Work as part of a team Work with on-site equipment Qualifications Bachelor's degree in Finance, Accounting or related field 8-12 years of experience underwriting in the Restaurant and Franchise Finance sector Work Arrangement This position can be performed remotely, unless you live within 40 miles of one of our Hub locations which are listed below. If you live within 40 miles of one of the locations listed below, you must be onsite Monday - Thursday with Friday as an optional work from home day. Locations INDEPENDENCE, OH - 6480 Rockside Woods Blvd S, Suite 345, Independence, OH 44131 COLUMBUS, OH - 3 Easton Oval, Columbus, OH 43219 BUFFALO, NY - 375 Essjay Road, Suite 100, Buffalo, NY 14221 MOUNT JOY, PA - 101 East Main Street, Mount Joy, PA 17552 WARREN, PA - 100 Liberty Street, Warren, PA 16365 ERIE, PA - 800 State Street, Erie, PA 16501 PITTSBURGH, PA - Bellevue, 532 Lincoln Avenue, Bellevue, PA 15202; Pittsburgh Business Office, 525 William Penn Place, Suite 3550, Pittsburgh, PA 15222 FISHERS, IN - 11 Municipal Drive, Suite 150, Fishers, IN 46037 Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.

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