Credit Analyst - Portfolio Manager

The Huntington National Bank; North Carolina; Hybrid; USD 55,000 - 75,000; Full time

Job summary

The Huntington National Bank is seeking an entry-level Analyst to support the Corporate Specialty and Government Credit Products team. You will learn credit and market analysis, including cash flow modeling, capitalization, and industry research, while assisting with portfolio management and underwriting activities.

This developmental role offers exposure to relationship management, credit administration, and capital markets, with opportunities across Commercial Banking paths.

Qualifications

• Bachelor's degree in Finance, Accounting, or related field.
• Experience or familiarity with underwriting or commercial banking.
• Knowledge of credit policy and financial statement analysis.

Responsibilities

• Gather and analyze financial information to determine creditworthiness for loans and credit products.
• Perform financial spreads, risk ratings, and portfolio monitoring activities.
• Underwrite complex commercial loans per Huntington credit policies and analyze collateral and market risk.
• Conduct industry and market research and summarize conclusions for presentations.

Skills

Credit analysis

Financial modeling

Industry research

Cash flow analysis

Risk assessment

Education

Bachelor's degree in Finance or Accounting

Job description

Description

Summary:

The analyst supports the Corporate Specialty and Government Credit Products team and ongoing portfolio management and underwriting activities. In this entry level role, the analyst will develop skills in credit and market analysis including cash flow analysis and modeling, capitalization, industry research, credit policy and legal documentation, among others, in analyzing and summarizing the creditworthiness of clients and prospects. The Analyst will generally support the Credit Products Portfolio Management team and will also collaborate with internal partners including Relationship Management, Credit Administration, Capital Markets, and others in creating such analysis.The Analyst position is an entry-level developmental role for colleagues seeking a career in Portfolio Management; but may also be constructive for a colleague seeking a path to Relationship Management, Credit, Capital Markets, or many other Commercial roles within the Bank.

Duties & Responsibilities

• Gather and analyze financial and business information to determine creditworthiness for loan and credit products.
• Complete financial spreads, risk rating, performance tearsheets, compliance testing, and other portfolio monitoring & maintenance activities
• Underwrite complex commercial loans in accordance with Huntington credit policies. This may include financial statement analysis, collateral analysis, financial modeling, industry and business risk evaluation and management assessment.
• Conduct industry and market research using numerous resources available; distilling key themes and conclusions into concise summary form for presentation purposes.
• Performs other duties as assigned.

Basic Qualifications

• Bachelor's Degree required (Finance, Accounting, or related field)
• FINRA Series 79, 63 or other necessary combination required, or must be obtained within 4 months of hire
• Experience in an underwriting or commercial banking environment.

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

Workplace Type: Office

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.

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.