Leveraged Finance Associate – Portfolio Management

Huntington Bank; Charlotte (NC); On-site; USD 90,000 - 120,000; Full time

Job summary

Huntington Bank in Charlotte, NC is seeking an Associate for Sponsor and Leveraged Finance - Portfolio Management to support the Credit Products team with portfolio management and underwriting activities. The role focuses on analyzing cash flows, financial statements, and market data to assess creditworthiness, collaborating with Relationship Management, Credit Administration, and Capital Markets.

The Associate will build on analyst work, help monitor loan portfolios, and contribute to risk

Qualifications

• Strong analytical and financial modeling skills for credit analysis.
• Experience with cash flow analysis, underwriting, and risk assessment.
• Ability to gather and present information to support credit decisions.

Responsibilities

• Manage a portfolio of commercial loans with relationship management.
• Own credit quality and monitoring of portfolio risks and ratings.
• Underwrite new credits and update risk ratings per policy.
• Prepare financial spreads, tear sheets, and portfolio monitoring reports.
• Conduct industry and market research to identify key risk themes.

Skills

Portfolio management

Credit analysis

Financial modeling

Industry research

Underwriting

Cash flow analysis

Capitalization

Relationship management

Leadership

Communication

Education

Bachelor's degree in Finance/Accounting

Tools

Microsoft Excel

Microsoft Word

PowerPoint

Job description

## Associate - Sponsor and Leveraged Finance - Portfolio ManagementApplyremote type: Officelocations: Charlotte, NCtime type: Full timeposted on: Posted Todayjob requisition id: R0072583# **Description****Sponsor and Leveraged Finance – Portfolio Management Associate****Description Summary:**The Sponsor and Leveraged Finance Portfolio Management Associate supports the Credit Products team and ongoing portfolio management and underwriting activities. In this role, the associate will build upon the foundation set as an Analyst in areas such as 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 Associate will also frequently collaborate with internal partners including Relationship Management, Credit Administration, Capital Markets, and other product partners in creating such analysis.**Duties & Responsibilities:*** Manage a portfolio of commercial loans and customers in partnership with the assigned relationship manager, Group Leader, PM Team Leader, Credit Officer and other stakeholders.* Own primary responsibility for the credit quality and monitoring of Commercial portfolio risks.* Responsible for risk rating new credits and ongoing updating of risk ratings in assigned portfolio.* Gather and analyze financial and business information to determine creditworthiness for loan and credit products.* Complete financial spreads, performance tear sheets, compliance testing, and other portfolio monitoring & maintenance activities* Portfolio Management of commercial loans in accordance with Huntington credit policies. This may include underwriting, 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.* A more experienced Associate may be assigned direct portfolio management coverage responsibilities, typically with the oversight of a Director level PM.* Assist with training and/or mentoring Analyst level colleagues.**Basic Qualifications:*** Bachelor's Degree required (Finance, Accounting, or related field)* 2 – 4 years of experience in a portfolio management or commercial banking environment.**Preferred Qualifications:*** 5 years of diversified banking experience including portfolio management experience and positions of increasing responsibility, with exposure to Sponsor and Leveraged Finance* Understanding and utilization of credit skills for credit decision making, monitoring, and managing of a credit through repayment* Completion of formalized credit training program* Demonstrated success researching, judging and presenting information verbally and in writing; creating documentation to support the credit and minimize risk* Proven ability to manage workflow and deadlines, while effectively balancing competing priorities* Demonstrated leadership experience by providing coaching, skill development and feedback to team members* Proficiency using Microsoft Word and Excel and other software applications that are supportive of the loan underwriting process* Strong written and verbal communication skills* High degree of professionalism.* High level of attention to detail* Proficiency in Microsoft Office suite (particularly Microsoft Excel)#LI-DS23#LI-onsite**Exempt Status: (Yes** = not eligible for overtime pay) (**No** = eligible for overtime pay)Yes**Workplace Type:**OfficeOur Approach to **Office** Workplace TypeCertain 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.