Credit Analyst - Portfolio Manager

0101 The Huntington National Bank; United States; Hybrid; USD 60,000 - 75,000; Full time

Job summary

Huntington National Bank is seeking an entry-level Analyst to support the Corporate Specialty and Government Credit Products team in credit analysis, underwriting, and portfolio management.

You will develop skills in cash flow analysis, modeling, capitalization, and industry research while collaborating with Relationship Management and Capital Markets teams to assess creditworthiness of clients and prospects.

Qualifications

• Bachelor's degree in Finance, Accounting or related field required.
• FINRA Series 79, 63 or equivalent combination required or to be obtained within 4 months of hire.
• Experience in underwriting or commercial banking environment preferred.

Responsibilities

• Gather and analyze financial and business information to determine creditworthiness for loan and credit products.
• Prepare financial spreads, risk ratings, and portfolio monitoring materials.
• Underwrite complex commercial loans following Huntington credit policies, including financial statement and collateral analysis.
• Conduct industry and market research and distill key themes for presentation.
• Performs other duties as assigned.

Skills

Credit analysis

Financial modeling

Underwriting

Industry research

Education

Bachelor's degree in Finance/Accounting

Tools

FINRA Series 79/63

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.

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.

Immigration and Work Authorization

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.

Equal Opportunity Employer

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.

Company Culture

Welcome to Huntington! At Huntington, we look out for people. From reinventing banking with game-changing innovations to building an internal culture that creates lifelong bonds, together, we can make people’s lives better. And amazing things happen when we look out for each other. We prove it every day. Whether it’s helping a colleague or collaborating on a new tool that will revolutionize the way we save money, our actions can have a huge impact. Our colleagues look out for people with a Can-Do Attitude, Service Heart and Forward Thinking. Those are our values—simple but powerful. Each of them pushes us do the right thing, to do right by people. Because people are what matter. If that sounds like you, we hope you’ll apply to join our team.

Learn more about how Huntington looks out for people: https://www.huntington.com/lookingout

Accessibility and Reasonable Accommodations

We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of this site or if you require a reasonable accommodation to apply for a job or to perform the essential functions of the job, please send an email to [e-mail]. Reasonable Accommodations: Various methods will be used throughout the recruitment process to verify candidate authenticity. Any interviews conducted virtually must be joined from a distraction-free environment, with the candidate on camera and without the use of virtual backgrounds.

Disclaimers

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