For more than 70 years, IDB Bank has made it our mission to be the best bank for our clients by putting their needs first, and the success we’ve enjoyed fundamentally comes down to our people. Here at IDB, you’ll work side by side with some of the most talented professionals in the industry who share a strong sense of teamwork and a passion for providing exceptional service down to the smallest detail. We offer a comprehensive benefits package that includes generous paid time off and the ability to participate in our medical coverage and 401(k) plan on your very first day with us. We are also committed to diversity and inclusion, and to providing all of our team members with an equal opportunity to succeed and make meaningful contributions within a work environment that is respectful, welcoming and inclusive. Job Description Underwrite new lending facilities primarily forMiddle Market companies consisting of various C&I loan structures and various loan sizes – lines of credit,other secured facilities(formula based receivables,Inventory financing, non-formula) and(cash flow) facilities,includingowner-occupied term loans in the Consumer Product, Food & Beverage, and other growth sectors targeted by the bank. Complete all underwriting assignments on a timely basis. Monitor and report all deterioration in credit quality to the underwriting manager, relationship manager, and group head. Prepare loan pricing/profitability models, using PD & LGD risk parameters as accurate inputs relating to the subject facility. Attend client meetings with the account officers andassist with new business development by structuring facility that complieswithbank’s credit policy and borrower/sponsor risk profile. identify client needs and cross-sell opportunities, including interest rate swaps. Comply with all of the bank’s and department’s policies and procedures. Work on special projects asassigned. Complete all required training courses in a timely fashion. Qualifications Underwriterneeds to have strong credit and organizational skillsas well as solid understanding ofC&I credit facilities (lines of credit, asset reliant loans including A/R, Inventory and IP, owner occupied commercial real estate and to a lesser extent, cash flow loans) with varying loan sizes. Minimum experience of 4- 7years inunderwriting required. Must be able to work as part of the Middle Office team working together with Underwriting Manager, Relationship Managerand Group Head Willingness to take on special projects as needed Familiarity with systems (Moody’s spreading software, Salesforce), underwritingprocesses and profitability modelsusing the dual risk rating system (PD/LGD) as applied to RAROC based pricing. Should possess strong communication skills (verbal and written) Ability to work in a collaborative environment and meettight deadlines Bachelor’s degree in a related field required Compensation The expected annual salary for this position is between $130,000 and $190,000 at the start of employment. A salary offer is determined on an individualized basis, taking into consideration factors such as an individual’s skills and experience. In addition to base salary, our total rewards package also includes eligibility for an annual bonus, medical, pharmacy, dental, and vision plans, life and disability insurance, employee wellness program, retirement and savings plans with employer contributions, generous holiday and paid time off schedules, parental leave, and tuition reimbursement. Additional Information Disclaimer The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed. All your information will be kept confidential according to EEO guidelines. The Bank will make reasonable accommodations to the following employees to allow them to perform the essential functions of their position, except where doing so would result in undue hardship to the Bank: Those with a known mental or physical disability. Pregnant individuals and/or individuals with pregnancy or childbirth-related medical conditions. Victims of domestic violence, sex offenses or stalking. Employees with religious observance and practice obligations. Any employee who believes he or she needs an accommodation for any of the above reasons should contact their supervisor or a member of Human Resources to request such an accommodation. In each case, the Bank will engage in a good faith written or oral dialogue concerning the individual’s accommodation needs; potential accommodations that may address the individual’s accommodation needs, including alternatives to a requested accommodation; and the difficulties that such potential accommodations may pose for the employer. The Bank retains the ultimate discretion to choose the appropriate reasonable accommodation. Upon reaching a final determination at the conclusion of the cooperative dialogue, the Bank will provide the requesting individual with a written final determination identifying any accommodation granted or denied. In addition, the Bank will maintain any information regarding the employee’s request and status in the strictest confidence, except as requested by the employee, as required on a need-to-know basis or as otherwise required by law. Due to COVID-19, we are now operating on a hybrid schedule. We value the safety of our employees because we’re all in this together. NO AGENCIES PLEASE. IDB BANK, INCLUDING ITS SUBSIDIARIES AND DIVISIONS, PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE, COLOR, RELIGION, SEX, SEXUAL ORIENTATION, NATIONAL ORIGIN, AGE, DISABILITY, GENETIC STATUS, CITIZENSHIP STATUS, MARITAL STATUS, MILITARY OR VETERAN STATUS, CURRENT UNEMPLOYMENT OR ANY OTHER LEGALLY PROTECTED CATEGORY IN ACCORDANCE WITH APPLICABLE FEDERAL, STATE AND LOCAL LAW. NOTHING IN THIS SITE CONSTITUTES A PROMISE OR OFFER OF EMPLOYMENT.