Credit Analyst II: Commercial Lending & Underwriting

Huntington; Houston (TX); On-site; USD 60,000 - 75,000; Full time

Job summary

Huntington in Houston, TX is seeking an HLC Credit Analyst II to monitor and underwrite loans within the Regional Bank Business Loan Portfolio. You will provide thoughtful credit recommendations on borrowers, analyze complex financial statements, and help ensure covenant compliance.

The role emphasizes independent decision-making, mentoring peers, and contributing to monthly compliance reporting. Office-based, with a pathway to develop credit acumen in a centralized lending environment.

Qualifications

• Bachelor’s Degree required.
• 1+ years’ experience with business or commercial banking in a centralized lending environment.
• Proven ability to review and analyze financial data.
• Excellent written and verbal communication skills.

Responsibilities

• Underwrite simple credit requests within the SOR and provide recommendations for approval or decline, with rationale.
• Review and analyze the most complex, high dollar financial statements/spreads, borrowing bases, covenants, and waiver requests for the monitored loan portfolio.
• Monitor covenant/borrowing base violations and assist with monthly reporting to ensure compliance.
• Assist management with coaching and training of peers on financial analysis, processes, and credit policy.
• Perform other duties to support the line of business and job family.

Skills

Credit analysis

Financial analysis

Written communication

Verbal communication

Attention to detail

Independent work

Education

Bachelor’s Degree in Finance, Accounting, Business Administration or Business/Data Analytics

Bachelor’s Degree

Tools

Microsoft Office

Job description

Huntington in Houston, TX is seeking an HLC Credit Analyst II to monitor and underwrite loans within the Regional Bank Business Loan Portfolio. You will provide thoughtful credit recommendations on borrowers, analyze complex financial statements, and help ensure covenant compliance.

The role emphasizes independent decision-making, mentoring peers, and contributing to monthly compliance reporting. Office-based, with a pathway to develop credit acumen in a centralized lending environment.