Credit Underwriting Associate Full Time NEW

In this role, you’ll play a key part in evaluating borrower financials, supporting underwriting decisions, and ensuring accuracy across credit processes. This is an excellent opportunity for someone looking to deepen their financial analysis skills in a collaborative, high-performance environment.

What You’ll Do

• Support credit underwriting functions, including financial spreading, covenant testing, and borrower analysis
• Partner with Treasury Management and lending teams to prepare ACH requests and renewals
• Prepare and process deposit hold requests and related documentation
• Maintain and update credit reports and tracking tools on a regular basis
• Convert borrower financial statements into standardized formats using financial spreading software
• Perform quality control reviews of documentation and imaged files
• Process background check requests for borrowers as needed
• Assist with loan committee materials and reporting
• Analyze borrower financial condition and cash flow, including ratio and trend analysis, as directed
• Ensure adherence to loan policies and identify/report exceptions where appropriate
• Maintain knowledge of underwriting standards and regulatory guidelines

What We’re Looking For

• Bachelor’s degree in accounting, finance, or business; coursework in financial accounting preferred
• Banking or financial services experience preferred but not required
• Strong analytical and critical thinking skills with the ability to draw sound conclusions
• High level of accuracy and attention to detail
• Ability to manage multiple priorities, meet deadlines, and work independently
• Strong organizational skills and initiative
• Proficiency in Microsoft Office (Excel, Word, Outlook) and Adobe Acrobat
• Ability to collaborate effectively with lending teams and cross-functional partners

Why Join Us

The National Bank of Indianapolis is the city’s only locally owned national bank committed to long-term relationships, sound credit practices, and developing talent from within. Our Credit team plays a critical role in maintaining the Bank’s strong portfolio and disciplined growth.

You Can Expect

• Hands-on experience in credit analysis and underwriting
• A collaborative, team-oriented environment
• Opportunities for learning, growth, and career progression
• Exposure to a wide range of commercial and consumer credit scenarios

In Summary

Bring your curiosity.

Bring your analytical mindset.

Build your future in credit.

The National Bank of Indianapolis is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment regardless of, and will not be discriminated against on the basis of race, color, sex (including pregnancy), sexual orientation, gender identity, religion, national origin, age, veteran status, disability, genetic information, or other bases as protected by local, state, or federal law.

The National Bank of Indianapolis participates in E-Verify, a federal program that verifies the employment eligibility of newly hired employees. Employment is contingent upon verification of identity and authorization to work in the United States in accordance with federal law.