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About the Role

This position underwrites credit exposure for large, complex customer relationships and actively manages a portfolio. It involves daily interaction with Sales Representatives, managing portfolio risk, and ensuring adherence to regulatory and compliance guidelines. A key aspect is the early identification of emerging credit problems and industry trends.

Responsibilities

• Services, deepens, and retains assigned profitable customer relationships by proactively evaluating and mitigating associated business risks and opportunities, per established Huntington policies, procedures, and Guiding Principles.
• Responsible for underwriting quality, portfolio administration, and credit quality of assigned portfolio working directly with the Team Leader and Regional Credit Officer.
• Underwrites complex and large credit requests for prospects and clients.
• Possesses a mastery of client and industry expertise, analyzes company performance and the impact of industry and competitive dynamics and macroeconomic events on the creditworthiness of prospects and clients.
• Accountable for risk evaluation and associated regulatory compliance requirements.
• Provides independent, in-depth analysis of financial statements, projections, and business plans; identifies and mitigates key risks.
• As appropriate, assists in optimizing customer relationships by working directly with Relationship Managers, Treasury Management, and other team members to effectively grow fees, deposits, and portfolio revenue by presenting practical Huntington financial solutions to customers.
• Prioritize work to meet customer expectations.
• Responsible for financial statement spreading and risk rating integrity.
• Responsible for maintaining an extensive level of knowledge of corporate banking, investment banking, and commercial banking solutions.
• Responsible for maintaining an extensive level of knowledge of market trends and business drivers.
• Understands and articulates industry trends, patterns in the economy, and the implications thereof, and proactively shares information across the organization.
• Must function in the team environment, where the colleague may be assigned to work with teams outside of their direct reporting line.
• Mentor Credit Analysts.
• Performs other duties as assigned.

Requirements

• Bachelor's Degree preferably in Finance or Accounting.
• Experience conducting cash flow analysis for large, complex publicly traded companies.
• 5+ years of related experience in commercial credit analysis and underwriting, preferably with an equipment finance organization.
• Proficiency with Moody’s spreading software or similar spreading software.
• Applicants must be currently authorized to work in the United States on a full-time basis.
• Must function in the team environment, where the colleague may be assigned to work with teams outside of their direct reporting line.
• Any interviews conducted virtually must be joined from a distraction-free environment, with the candidate on camera and without the use of virtual backgrounds.

Skills

• Ability to prioritize workflow and multi-task in a fast-paced environment.
• Strong interpersonal skills.
• Solid written/verbal communication.

Location

• Any Huntington Bank Corporate office location

Work Type

• Office
• Hybrid

Experience Level

• 5+ years of related experience

Education Level

• Bachelor's Degree

Salary/Compensations

• $57,000 - $124,000 Annual Salary

Benefits

• Health insurance coverage
• Wellness program
• Life and disability insurance
• Retirement savings plan
• Paid leave programs
• Paid holidays
• Paid time off (PTO)

About the Company

• At Huntington, we look out for people. From reinventing banking with game-changing innovations to building an internal culture that creates lifelong bonds, together, we can make people’s lives better.
• Our colleagues look out for people with a Can-Do Attitude, Service Heart and Forward Thinking. Those are our values—simple but powerful. Each of them pushes us do the right thing, to do right by people. Because people are what matter.
• If that sounds like you, we hope you’ll apply to join our team.
• If you’d like to learn more about how Huntington looks out for people, visit https://www.huntington.com/lookingout
• We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of this site or if you require a reasonable accommodation to apply for a job or to perform the essential functions of the job, please send an email to HuntingtonCareers@Huntington.com

Equal Opportunity

• Huntington is an Equal Opportunity Employer.
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