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

The Underwriting Commercial Portfolio Manager – Technology Finance (HTF) performs ongoing credit monitoring duties on assigned portfolio of commercial relationships (comprised of large, complex credit profiles) in accordance with established monitoring requirements, including quarterly, semiannual, and annual reviews. A critical component of the credit monitoring role is early identification of emerging credit problems and industry trends requiring strong analytical, organizational and time-management skills while maintaining a high standard of accuracy and professionalism. Additional responsibilities may include underwriting new credit requests for prospects and existing clients.

Duties and Responsibilities:

• Obtain, review and analyze borrower financial statements, including but not limited to SEC filings (i.e. 10-K, 10-Q), CPA Audited and CPA Reviewed financial statements, business tax returns, compliance certificates, and other financial information to assess ongoing credit quality.
• Prepare financial spreads or coordinate their preparation through designated resources, ensuring accurate and timely completion to support ongoing credit monitoring. 
• Monitor key credit metrics, including fixed charge coverage (FCC), leverage, liquidity, and profitability trends, and identify material changes in risk profiles and repayment capacity.
• Maintain an understanding of borrower operations, industry conditions, competitive dynamics, and other external factors affecting credit risk.
• Prepare independent, concise written credit analysis summarizing financial performance, key trends, risk considerations, and recommendations for management review working directly with the Team Leader and Regional Credit Officer. 
• Complete risk rating analysis and recommend changes when warranted based on financial performance, industry conditions, or other relevant factors.
• Escalate to Credit management warning indicators, adverse trends, and other factors that may impact a customer’s ability to meet its financial obligations.
• Collaborate with Relationship Managers, Underwriting Portfolio Managers and other internal stakeholders to facilitate timely collection of borrower financial statements, when such information is not publicly available.
• Ensure monitoring activities are completed within established deadlines and regulatory requirements.
• Maintain accurate and complete credit files, ensuring documentation complies with internal policies and procedures.
• Participate in special projects, portfolio reviews, process improvement initiatives, and regulatory examination requests as needed.
• Mentor Credit Analysts.
• Performs other duties as assigned.

Required Qualifications:

• Bachelor's Degree preferably in Finance or Accounting.
• 5+ years of related experience in commercial credit analysis and underwriting.

Preferred Qualifications:

• CLFP designation.
• Previous experience with equipment finance underwriting
• Ability to prioritize workflow and multi-task in a fast-paced environment.
• Strong interpersonal skills and solid written/verbal communication.

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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.

Huntington will not sponsor applicants for this position for immigration benefits, including but not limited to assisting with obtaining work permission for F-1 students, H-1B professionals, O-1 workers, TN workers, E-3 workers, among other immigration statuses. Applicants must be currently authorized to work in the United States on a full-time basis.

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.