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Business Banking Scored Underwriter III

Huntington Bank · Rosemont, IL · $70,000–$140,000 a year · Full time

Posted Sep 22, 2026 · We last checked this listing on Oct 6, 2026

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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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The full job description

As published by Huntington Bank.

Description Summary: The Business Banking Underwriter III is responsible for underwriting Business Banking loans to determine credit worthiness and compliance with Bank lending policy. Duties & Responsibilities: • Supports Business Banking production by maintaining an individual pipeline of work. • Reviews all financial and credit application information to make sound credit decisions. Loans would typically include those with more complex credit structures and customer exposure up to $4MM. • Utilizes single approval authority up to $3MM. • Appropriately assess risk profile of borrower. • Assist with training and mentoring new hires as well as providing support for the UWI & UW II job families as needed. • Tasks as needed to support the line of business and job family. • Performs other duties as assigned. Basic Qualifications: • Bachelor's degree • 5+years’ experience with business or commercial underwriting in a centralized lending environment Preferred Qualifications: • Bachelor's degree in Business related field • Proven track record to support high levels of loan volume • Ability to underwrite credit exposures in excess of $2.5MM • Previous authority to underwrite and decision credits without additional signers • Demonstrates confidence, assertiveness, professionalism, and ability to interact with all levels within the organization in a professional manner • Proficient use of Microsoft Office and other internet resources • Ability to work independently on multiple tasks without compromising quality ​ • Excellence in customer service, highly motivated, focused and goal oriented • Excellent written and verbal communication skills, including grammar and demeanor • Strong organizational skills with attention to detail, planning and follow-up Exempt Status: (Yes = not eligible for overtime pay) ( No = eligible for overtime pay) Yes Workplace Type: Office Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team. Compensation Range: $70,000 - $140,000 Annual Salary The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education.  Colleagues in this position are also eligible to participate in an applicable incentive compensation plan.  In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). Huntington is an Equal Opportunity Employer. Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details. Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.

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