We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written! If you are interested and qualified for this role, we invite you to apply. Essential Functions/Responsibilities Performs financial analysis, risk assessment, and detailed due diligence for the Oak Street Lines of Business. Review commercial loan applications and analyze standard credit information packages to make assessment of applicant’s creditworthiness. Determines whether or not the proposed loan will conform to Bank Lending Policy. Provide recommendation to the Executive Director and Director of Underwriting, and to Loan Committee as applicable, regarding the structure, underwriting, and management of loans. Maintain on-going communication with all appropriate Sales and Servicing staff on the status of transactions. Utilize financial software tools to spread financial statements, evaluate cash flow capacity, and evaluate / validate collateral for all new business opportunities and renewals. This may include full or partial completion of flagpole memos for prospects and new loans to existing clients. Prepare and present credit memos for new and renewal requests on complex credits and large clients, for loan approval. These loans will in general be large in nature ($2.5MM - $20MM) that may require approval by FFB Senior Credit Committee. Utilize individual lending authority to approve or decline credit requests proposed by Sales or underwritten by other Underwriting team members. This position will also carry individual loan authority at the high end of the underwriting team. Coordinate and complete on site due diligence trips at proposed borrower locations. This may include coordinating third party due diligence teams such as accounting firms and valuation firms. Work directly with Servicing to monitor and manage the loan portfolio on an ongoing basis. This includes analyzing and completing financial covenant compliance, completing risk rating evaluations, and reviewing collateral tracking performance. Administer and participate in the negotiation of closing legal documentation. Complete checklist requirements of all pre-funding requirements as part of the loan closing process. Train to be industry experts in the lines of business that Oak Street Funding provides financing. Provide internal and external training. The Underwriter may be responsible for managing the Pipeline, Assist in the management of workflow and assigned credits. Additionally, this associate’s responsibilities may include helping mentor, train and guide other Underwriters as needed. May provide group supervision and/or coordination in a leadership role for the entire group. Assist on special projects as needed Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job Requires at least 7-10 years of credit underwriting and/or Commercial Lending Experience with emphasis and experience in underwriting commercial relationships at $5MM and greater. Specific credit underwriting experience for specialty lines of business also a plus. Proficiency in mathematical concepts, in order to apply to practical situations. Knowledge of advanced accounting principles and techniques Strong interpersonal and communication skills Bachelor’s Degree, preferably in Accounting, Finance, Economics, Business Administration or equivalent professional training Seven (7) or more years of related experience Master’s Degree in Business, encouraged but not required Preferred Knowledge and Skills Level of Complexity and Scope Deals will be of the highest complexity and relationship sophistication in the portfolio. Degree of Independence and Decision-Making Must have experience and ability to make credit decisions independently. Required Supervisory Responsibilities May be required to provide supervision and training to junior underwriters Physical Requirements Occasionally lifts and carries up to 20 lbs. Occasionally stand and walks. Frequently sits. Compliance Statement The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements. Development and Training Pay range: $107,000/year - $142,760/year Benefits We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide. Incentive Eligibility All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions. It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law. We are an E-Verify Employer. At first financial bank, our mission is clear: to be the best bank to do business with, the best place to work, and the best financial partner for our shareholders and the communities we serve. We believe that how we work is just as important as what we achieve. That’s why we’re guided by core values that shape everything we do: Doing the right thing Teamwork Mutual respect Wellbeing Excellence Our success starts with our people. We know that when our associates are talented, engaged, and supported, they create outstanding results. If you're looking to be part of a team that values integrity, inclusion, and collaboration—and where your growth matters—you’ll find your future here.

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