HLC Credit Analyst II

0101 The Huntington National Bank; Houston (TX); On-site; USD 65,000 - 90,000; Full time

Job summary

The Huntington is seeking a Credit Analyst II to monitor and underwrite loans within the Regional Bank Business Loan Portfolio. The role requires critical thinking to provide thoughtful credit recommendations for borrowers in the loan portfolio.

You will develop credit acumen, review financial statements, and support covenant compliance, with coaching of peers and involvement in monthly reporting and risk reviews.

Qualifications

• Bachelor’s Degree with 1+ year of business or commercial banking experience.
• Experience reviewing and analyzing financial data.

Responsibilities

• Underwrite simple loan requests within the SOR and explain decisions.
• Review complex financial statements, borrowing bases and covenant compliance.
• Assist management with monthly reporting and training of peers.

Skills

Credit analysis

Financial statement analysis

Banking experience

Education

Bachelor’s Degree

Job description

Description Summary

The HLC Credit Analyst II is responsible for monitoring and underwriting loan within the Regional Bank Business Loan Portfolio. This role involves critical thinking necessary to provide thoughtful credit recommendations regarding borrowers within the loan portfolio.

Duties and Responsibilities

Further development of business credit acumen with independent decision-making skills. Ability to provide recommendations regarding the financial condition of businesses as it relates to debt service, covenant and borrowing base compliance and early warning factors. Ability to underwriter simple credit requests within the SOR and make recommends of approval or decline, as well as being able to explain why the decision was made. Review and analyze the most complex, high dollar Financial Statements/Spreads Borrowing Bases, Covenant compliance, and Waiver requests for the monitored loan portfolio. Manage covenant/borrowing base violations as assigned. Monitor the Upgrade and Downgrade process for the loan portfolio which includes providing credit commentary. Assist management with the completion of monthly reporting to ensure compliance. Successfully assist with coaching and training of peers (HLC Credit Analysts). This will include reviewing peer work related to business and personal financial analysis, process and procedures, credit policy, financial ratios and business writing skills. Perform other duties or tasks as needed to support the line of business and job family.

Basic Qualifications

• Bachelor’s Degree 1+ years’ experience with business or commercial banking in a centralized lending environment Must have proven experience reviewing and analyzing financial data

Preferred Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration or Business/Data Analytics Proficient use of Microsoft Office and other internet resources Excellence in customer service, highly motivated, focused and goal oriented Excellent written and verbal communication skills, including grammar and demeanor Strong organizational skills with attention to detail, planning and follow-up Ability to work independently on multiple tasks without compromising quality

Exempt Status

No Workplace Type: Office

Workplace Type

No Workplace Type: Office

Our Approach to Office Workplace Type

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.

Employment Eligibility

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.

Equality and Diversity

Huntington is an Equal Opportunity Employer.

Employer Brand

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 they 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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