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 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 that align with client needs and the Bank's risk appetite. Regular client contact will occur as part of underwriting and portfolio management duties. When Northwest Bank is the lead agent, the Commercial Underwriter will assist in preparing loan syndication market materials and 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 covenant formulas and definitions. Identify credit strengths, weaknesses, risks, and mitigating factors. Determine the scope of 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 loan and credit policy exceptions. Monitor ongoing risk in the portfolio and recommend proactive actions. Prepare periodic reviews for portfolio relationships. Recommend and defend risk ratings. Review and negotiate legal documentation with outside counsel. Develop financial forecasts and enterprise valuations. Ensure compliance with policies, procedures, and regulations. Utilize Microsoft Office and department-specific software to maximize efficiency. Collaborate as part of a team. Work with on-site equipment as required. Education and Experience Bachelor's degree in Finance, Accounting, or related field. 8-12 years of underwriting experience in the Restaurant and Franchise Finance sector. This position can be performed remotely unless residing within 40 miles of specified Hub locations, in which case on-site work is required Monday-Thursday, with Friday optional. Hub 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, and 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 committed to creating an inclusive environment for all employees.

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