Credit Coordinator

Huntington Bancshares, Inc.; Hagerstown (MD); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

Health insurance

Wellness program

Life and disability insurance

Retirement savings plan

Paid leave and PTO

Job summary

Huntington Bancshares, Inc. is seeking a Credit Coordinator to support the Merchant Services Risk & Underwriting team.

The role conducts credit and due diligence reviews of merchant applicants, evaluates financial, operational, and compliance risks, and ensures adherence to policy, card network, and regulatory requirements. You will source documents with sales teams to maximize approvals, collaborate with multiple departments, and maintain documentation of findings and recommendations for

Qualifications

• Bachelor's degree and at least 5 years of experience in credit analysis or related field.
• Experience in fraud investigations, banking, payments, or financial services.
• Preference for coursework or experience in financial statement analysis, lending, or risk assessment.

Responsibilities

• Conduct initial credit investigations on merchant applications, reviewing business and personal credit reports and financial documents.
• Verify merchant legitimacy through KYC, ownership verification, website reviews, and industry research.
• Gather and analyze financial statements, tax returns, bank statements, and processing projections to identify credit and fraud risks.

Skills

Analytical thinking

Problem solving

Communication skills

Attention to detail

Time management

Judgment and discretion

Organizational skills

Education

Bachelor's degree

Tools

Microsoft Excel

Microsoft Word

Microsoft 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 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).

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.