Credit Review Officer - Consumer

Huntington Bank; Columbus (OH); Hybrid; USD 70,000 - 140,000; Full time

Benefits offered by this job

Health insurance

Retirement savings plan

Paid time off

Paid holidays

Job summary

Huntington Bank in the Columbus area is seeking a Credit Review Officer for its Consumer line. The role focuses on conducting credit risk reviews and continuous monitoring to ensure compliance with policies and regulatory requirements.

The ideal candidate has extensive experience in credit risk, testing, and data analysis, with strong communication skills to present findings to senior management. This position supports an enterprise-wide risk management framework and requires collaboration

Qualifications

• Bachelor’s Degree or 4 years of related consumer or scored small business lending experience.
• 5+ years of related experience in credit review, risk management, underwriting or data/credit risk analysis.
• Strong knowledge of credit risk management frameworks and control environments.

Responsibilities

• Perform credit risk review engagements and continuous monitoring within a large financial institution.
• Assess risk in Retail Consumer products, adherence to policies, and compliance with regulatory requirements.
• Document conclusions concisely to facilitate reporting and data aggregation for end-users.
• Communicate key risk findings to senior management and collaborate with business units.

Skills

Credit risk review

Risk management

Data analysis

MS Access

Excel

PowerPoint

SQL

Education

Bachelor’s Degree or 4 years related consumer/small business lending experience

Tools

SAS/SQL

Credit analysis tools

Job description

Description Summary: The Credit Review Officer - Consumer reports to a Credit Review Group Manager or Team Lead. The ideal candidate is a proven credit risk professional with an exceptional delivery track record within retail/consumer credit.

Duties and Responsibilities

The candidate should possess a detailed working knowledge of the methodologies and techniques for performing credit risk review engagements and continuous monitoring activities associated with a strong independent credit review function within a large financial institution. Participate in the execution of Retail Consumer credit review program assignments in accordance with departmental policy and procedures to effectively assess: credit risk inherent in products/services and related activities, adherence to credit policies and procedures, compliance with legal and regulatory requirements, and exam results to determine if issues exist and improvement recommendation are necessary. Review transactions and/or mine/analysis broader portfolio data for the quality of underwriting, effective credit processing, adequacy of portfolio/risk management, and compliance with HNB Credit Policy; document conclusions that are concise, accurate and facilitate aggregation for reporting to the intended audience. Compile and structure data from multiple sources (internal and external), create and accurately summarize results that are easily utilized by the end-user. Conducts periodic risk assessment processes and on-going continuous data analysis reporting to identify emerging risks and factors that necessitate amendments to the annual plan. Attend segment/business credit risk management committee meetings aligned with area of subject matter expertise; act as a risk management resource to the business units; communicate key takeaways to the broader Credit Review team. Identify and communicate emerging risk issues to provide feedback and recommendations to enhance credit risk management practices across the enterprise. Able to develop and maintain working relationships with bank management, and the broader credit review team in order to effectively and efficiently execute review responsibilities. Provide CR senior management with information regarding the identification, measurement and management of credit risk for assigned business units. Strong verbal and written communication skills as well as ability to manage engagements/projects within allocated timeframes Performs other duties as assigned.

Basic Qualifications

• Bachelor’s Degree or 4 years of related consumer or scored small business lending experience 5+ years of related experience in credit review, risk management, underwriting or data/credit risk analysis

Preferred Qualifications

• Working knowledgeable of credit risk management and control frameworks
• Working knowledge of MS Access, Excel, PowerPoint, Word, and credit/statistical analysis tools
• Project management skills, ability to deliver high quality results while meeting deadlines, department and personal goals
• Preferred degrees: Accounting, Finance, Economics, Business or Statistics related field Certification, Advanced Degree or demonstrated progress toward (i.e. MBA, CPA, Financial Risk Manager, SAS Certified Base Programmer etc.) Technical accounting (GAAP) or financial statement analysis knowledge 3+ years utilizing SAS/SQL language Conflict management

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.

Compensation Range: $70,000-$140,000 Annual Salary 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

Visit Huntington's Career Web Site for more details.

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 you 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. If you’d like to learn more about how Huntington looks out for people, visit https://www.huntington.com/lookingout

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