Credit Coordinator

0101 The Huntington National Bank; Hagerstown (MD); Hybrid; USD 60,000 - 85,000; Full time

Benefits offered by this job

Health insurance coverage

Wellness program

Life and disability insurance

Retirement savings plan

Paid leave programs

Paid holidays and PTO

Job summary

Huntington is seeking a Credit Coordinator to join the Merchant Services Risk & Underwriting team in Maryland. The role conducts credit and due diligence reviews of merchant applicants, evaluating financial, operational, and compliance risks to ensure accounts meet policy and regulatory requirements.

You will source documentation, support faster approvals, and collaborate across sales, operations, fraud, and compliance to mitigate risk.

Qualifications

• Bachelor's degree and 5+ years in credit analysis or underwriting.
• Experience in fraud investigations or risk assessment preferred.
• Knowledge of AML/BSA and card networks is a plus.
• Strong communication and documentation skills.
• Ability to manage multiple priorities in a fast-paced environment.

Responsibilities

• Conduct initial credit investigations on merchant applications, including review of business and personal credit reports, financial documentation, public records, and business validation information.
• Verify merchant legitimacy through KYC, ownership verification, website reviews, industry research, and other due diligence activities.
• Obtaining documentation from the applicants as needed.
• Gather and analyze financial statements, tax returns, bank statements, and processing projections to identify potential credit and fraud risks.
• Document investigative findings and prepare concise risk summaries and recommendations for underwriters and risk managers.
• Monitor application workflow queues and ensure timely follow-up on outstanding documentation and merchant inquiries.
• Collaborate with Sales, Operations, Fraud, Compliance, Funding, and external partners to resolve underwriting concerns and support risk mitigation efforts.
• Maintain compliance with card network rules, Bank policies, AML/BSA requirements, and Merchant Services underwriting procedures.

Skills

Credit analysis

Underwriting

Fraud investigations

Analytical skills

Problem solving

Education

Bachelor's degree

Tools

Excel

Word

Outlook

Job description

Description Summary: The Credit Coordinator supports the Merchant Services Risk & Underwriting team by conducting credit and due diligence reviews of new and existing merchant applicants. The role assists in evaluating financial, operational, and compliance risks to ensure merchant accounts meet internal policy, card network, and regulatory requirements. The candidate will work with customers and sales teams to source documents and information to assist in the maximizing of approvals for Merchant Services accounts.

Duties & Responsibilities:

• Conduct initial credit investigations on merchant applications, including review of business and personal credit reports, financial documentation, public records, and business validation information.
• Verify merchant legitimacy through Know Your Customer (KYC), ownership verification, website reviews, industry research, and other due diligence activities.
• Obtaining documentation from the applicants as needed.
• Gather and Analyze financial statements, tax returns, bank statements, and processing projections to identify potential credit and fraud risks.
• Document investigative findings and prepare concise risk summaries and recommendations for underwriters and risk managers.
• Monitor application workflow queues and ensure timely follow-up on outstanding documentation and merchant inquiries.
• Collaborate with Sales, Operations, Fraud, Compliance, Funding, and external partners to resolve underwriting concerns and support risk mitigation efforts.
• Maintain compliance with card network rules, Bank policies, AML/BSA requirements, and Merchant Services underwriting procedures.
• Other duties as assigned.

Basic Qualifications:

Bachelors degree At least 5 years of experience in credit analysis, underwriting, fraud investigations, banking, payments, or financial services.

Preferred Qualifications:

Coursework or experience involving financial statement analysis, lending, accounting, or risk assessment is preferred. Strong analytical and problem-solving abilities. Basic understanding of Know Your Customer rules, financial statements, credit reports, and business cash flow analysis. Excellent written and verbal communication skills. Strong organizational skills with attention to detail. Proficiency in Microsoft Excel, Word, and Outlook. Ability to manage multiple priorities in a fast-paced environment. Demonstrated ability to exercise sound judgment and maintain confidentiality. Knowledge of Merchant Services, payment processing, or risk management principles is a plus.

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.

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

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.

We endeavor to make this site accessible to any and all users.

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.