This role can be located at any Huntington corporate office.

Summary:

The Senior Commercial Portfolio Manager - Equipment Finance analyzes and monitors credit worthiness of assigned customers/accounts and recommends and/or approves credit within established guidelines. In addition, this role analyzes financial statements and completes ratio and trend analysis to determine customer financing eligibility.

Duties & Responsibilities:

• Underwrite high quality credit narratives in support of new and existing loans. Review and analyze applications, financials statements, credit reports, etc.

• Spread business and personal financial statements and tax returns using Moody's software to analyze multi-year trends and ratios from
  financial information.

• Understand cash flow from operations, which includes identifying recurring and non-recurring sources.

• Research industry trends and risks.

• Perform collateral analysis including accounts receivable, inventory, real estate and investments.

• Run credit reports and gather/analyze KYC information.

• Work with other areas to monitor delinquency, delinquency trends and repossession activity.

• Prepare written recommendation as to whether the proposed loan should be approved as presented and provide alternate loan structure recommendations.

• Provide leadership and guidance to less experienced analysts, coach and mentor as appropriate.

• Lead special projects as needed.

• Perform other duties as assigned.

Basic Qualifications: 

• Bachelor's degree in accounting, finance, business, or related field

• 5+ years of experience in commercial credit underwriting

Preferred Qualifications:

• Demonstrated success structuring and underwriting commercial credit

• Proficiency using Microsoft Word and Excel

• Strong written and verbal communication

• Strong customer service orientation

• Established professional network

• High level of professionalism

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

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 anticipatedlow 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).