Remote Merchant Risk Analyst Jobs in Birmingham, AL

This position is available to be filled at any Huntington Bank Corporate office location.

The Commercial Portfolio Manager III - Huntington Technology Finance (HTF) serves as a senior-level credit professional responsible for underwriting and managing large, complex credit relationships. This role demonstrates advanced credit expertise, exercises independent judgment in evaluating credit risk, and serves as a trusted resource to peers, relationship managers, and credit leadership. In addition to underwriting responsibilities, the Commercial Portfolio Manager III provides guidance and mentorship to junior team members, assists with process improvement initiatives, and contributes to the overall quality and consistency of credit decisioning across the portfolio while adhering to all regulatory and compliance guidelines. A critical component of this role is early identification of emerging credit problems and industry trends.

Duties and Responsibilities:

• Independently underwrite complex large-ticket equipment finance lease / loan facilities.
• Perform comprehensive analysis of borrower financial statements, cash flow generation, leverage, liquidity, collateral coverage, and repayment capacity.
• Assess qualitative and quantitative risk factors, including industry dynamics, competitive positioning, management strength, customer concentration, and operational performance.
• Prepare and present detailed credit recommendations and underwriting memoranda for approval authorities.
• Serve as the primary credit resource for complex, high-exposure, or specialized transactions requiring advanced analytical expertise.
• Evaluate transaction structure, collateral position, guarantor support, and other risk mitigants to ensure alignment with Huntington's risk appetite.
• Recommend risk ratings and monitor relationships for material changes in financial condition, collateral position, or overall credit profile.
• Partner closely with assigned Relationship Managers, Sales personnel, Credit Officers, Legal, Operations, and other stakeholders to facilitate sound credit decisions while supporting business objectives.
• Provide thoughtful challenge to transaction assumptions and identify emerging risks that may impact credit quality.
• Mentor and provide technical guidance to Credit Analysts, Portfolio Managers, and Senior Portfolio Managers, including review of analyses, coaching, and knowledge sharing.
• Assist management with training, onboarding, and development of less experienced team members.
• Serve as a subject matter expert for underwriting policy, financial analysis, industry research, and credit structuring matters.
• Support special projects, strategic initiatives, portfolio reviews, regulatory examinations, and internal audit requests.
• Identify opportunities to improve underwriting efficiency, consistency, and risk management practices.
• Act as a resource for escalated credit matters and assist management in evaluating complex risk scenarios and exception requests.
• Maintain a high level of awareness regarding economic conditions, industry developments, regulatory changes, and emerging credit risks.
• Performs other duties as assigned.

Required Qualifications:

• Bachelor's Degree in Accounting, Finance, or related field.
• 7+ years of experience in commercial credit analysis.

Preferred Qualifications:

• Previous equipment finance underwriting experience.
• Strong interpersonal skills and solid written/verbal communication.
• Ability to prioritize workflow and multi-task in a fast-paced environment.
• Sound judgment and the ability to balance risk management objectives with business considerations.
• CLFP designation.

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Exempt Status: (Yes= not eligible for overtime pay) (No= eligible for overtime pay)

Applications Accepted Through:

Huntington expects to accept applications through at least the date above, and may continue to accept applications until the position is filled.

Workplace Type:

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:

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.