VP, Commercial Underwriter - Franchise Finance

Job DescriptionThe 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 highly 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 which align with the needs of the clients and the risk appetite of the Bank. Regular client contact will occur as part of the underwriting and portfolio management duties. Where Northwest Bank is the lead agent, the Commercial Underwriter will be involved in the preparation of loan syndication market materials and other supporting documentation and may participate in sell-side activities.Essential FunctionsPrepare detailed credit memorandum for complex lending relationshipsComplete comprehensive analysis on client financial statementsRecommend proper loan structure, including appropriate covenant formulas and definitionsIdentify credit strengths, weaknesses, risks and mitigating factorsDetermine the required scope for underwriting and due diligence based on client risk profileParticipate in joint calls with Relationship ManagersMaintain a working knowledge of macroeconomic factors affecting national and global marketsIdentify and track loan and credit policy exceptionsMonitor ongoing risk in the assigned portfolio and recommend proactive action if necessaryPrepare annual or quarterly reviews for relationships within the portfolio, as requiredRecommend and defend appropriate risk ratingsReview and negotiate legal documentation with outside bank counselDevelop financial statement forecasts and enterprise valuationsEnsure compliance with Northwest's policies and procedures, and Federal/State regulationsNavigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiencyWork as part of a teamWork with on-site equipmentEducation + Experience preferredBachelor's degree in Finance, Accounting or related field8-12 years of experience underwriting in the Restaurant and Franchise Finance sectorThis position can be performed remotely, unless you live within 40 miles of one of our Hub locations which are listed below. If you live within 40 miles of one of the locations listed below, you must be onsite Monday - Thursday with Friday as an optional work from home DEPENDENCE, OH 6480 Rockside Woods Blvd SSuite 345Independence, OH 44131COLUMBUS, OH HQ3 Easton OvalColumbus, OH 43219BUFFALO, NY 375 Essjay RoadSuite 100Buffalo, NY 14221MOUNT JOY, PA 101 East Main StreetMount Joy, PA 17552WARREN, PA 100 Liberty StreetWarren, PA 16365ERIE, PA 800 State StreetErie, PA 16501PITTSBURGH, PA Bellevue532 Lincoln AvenueBellevue, PA 15202 Pittsburgh Business Office525 William Penn PlaceSuite 3550Pittsburgh, PA 15222FISHERS, IN 11 Municipal DriveSuite 150Fishers, IN 46037#LI-EK1Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

Created: 2025-09-06