Business Banking Scored Underwriter III
Posted Sep 22, 2026 · We last checked this listing on Oct 6, 2026
Likely interview questions for this role
Written from this job description, not a generic list. Each one notes what the interviewer is really checking.
About your past
Tell me about a deal you restructured instead of declining. What did you change?
What they are checking: Advising lenders on structure and terms, which the posting lists as a key duty.
How do you stay current on lending policy and compliance changes?
What they are checking: Habits for keeping their knowledge accurate, since policy drives every decision they sign.
What would you do
A Business Banker is pushing hard for an approval you're not comfortable with. How do you handle it?
What they are checking: Holding credit standards while staying a helpful partner who suggests workable structures.
You have a stack of applications and a lender says theirs is urgent. How do you prioritize?
What they are checking: Fair queue management and communication with internal customers under time pressure.
About the work
Walk me through how you underwrite a $300,000 business loan request. What do you look at first?
What they are checking: A structured approach to cash flow, collateral, guarantor strength and character within their approval authority.
How do you calculate debt service coverage for a small business, and what adjustments do you make from the tax return?
What they are checking: Hands-on skill with add-backs, owner compensation and global cash flow for small businesses.
In a scored lending model, when would you override what the score suggests?
What they are checking: Judgment about the limits of scoring and when documented exceptions are appropriate.
How do you write a credit memo that clearly states the risks and mitigants?
What they are checking: Concise, logical writing, a preferred qualification, so decisions are clear to reviewers and auditors.
What red flags would you look for in a business's financial statements?
What they are checking: Ability to spot declining margins, rising leverage, related-party issues or inconsistent numbers.
How do you document conditions to close so nothing gets missed?
What they are checking: Thoroughness in documenting decisions, which prevents losses and audit findings later.
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As published by Huntington Bank.