Note Finance Analyst

Huntington National Bank; United States; Hybrid; USD 75,000 - 105,000; Full time

Job summary

Huntington National Bank is seeking a Note Finance Analyst to support day-to-day administration, validation, and monitoring of Note Finance collateral and borrower reporting.

The role involves detailed reviews of borrower data, collateral documentation, borrowing base support, and operational processes to ensure accurate reporting and compliance with requirements. Collaboration with Operations, Credit, Risk, and external borrowers is essential.

Qualifications

• Bachelor's degree required; related fields acceptable with equivalent work experience.
• 3+ years in lending operations, loan administration, collateral management, or related fields preferred.

Responsibilities

• Perform Borrower Data Tape Reviews for completeness and accuracy.
• Validate loan-level information including balances, borrower data, collateral values, lien positions, and attributes.
• Identify discrepancies and data quality concerns; escalate as needed.
• Maintain documentation and evidence of completed reviews.
• Support borrowing base administration and collateral schedules; verify eligibility.
• Track collateral changes and reconcile balances across systems.
• Review collateral files for required documents (Notes, Allonges, Assignments, schedules, etc.).
• Coordinate remediation with borrowers and internal partners.
• Use critical thinking to identify risks and improvements beyond checklists.
• Maintain audit-ready documentation and support continuous process improvements.

Education

Bachelor's degree in Finance, Accounting, Business, Economics, or a related field

Tools

Microsoft Excel

Microsoft Office

Job description

Description

Summary

The Note Finance Analyst is responsible for supporting the day-to-day administration, validation, and monitoring of Note Finance collateral and borrower reporting. This role performs detailed reviews of borrower data, collateral documentation, borrowing base support, and operational processes to ensure accurate reporting and compliance with established requirements. The analyst is responsible for executing assigned reviews, maintaining documentation, identifying discrepancies, and escalating issues to management for resolution.

This position is highly detail-oriented and focuses on accurate execution, documentation, and operational support across the Note Finance portfolio. The role works closely with Operations, Credit, Risk, and external borrowers to support ongoing portfolio management activities

Responsibilities

Perform Borrower Data Tape Reviews

• Review borrower-submitted Data Tapes for completeness, accuracy, and adherence to reporting requirements.
• Validate key loan-level information, including balances, borrower information, collateral values, lien positions, and reporting attributes.
• Identify discrepancies, exceptions, and data quality concerns requiring further review.
• Maintain supporting documentation and evidence of completed reviews.
• Escalate unresolved issues, reporting anomalies, and potential collateral concerns to management.

Support Borrowing Base Administration

• Assist with the review of borrowing base submissions and supporting collateral schedules.
• Verify pledged collateral eligibility in accordance with facility requirements.
• Track collateral additions, removals, substitutions, and releases.
• Support reconciliation of collateral balances between borrower reporting and internal systems.
• Maintain organized records supporting borrowing base reviews and decisions.

Review Collateral Documentation

• Review collateral files to confirm presence of required documentation, including:
  • Notes
  • Allonges
  • Assignments
  • Collateral schedules
  • Other required legal documentation
• Track missing documents and coordinate remediation efforts with borrowers and internal partners.
• Maintain collateral inventories and documentation trackers.

Critical Thinking & Risk Identification

• Demonstrate strong critical thinking skills by evaluating information for reasonableness, identifying inconsistencies, and investigating exceptions rather than relying solely on checklist-based reviews.
• Apply independent judgment when reviewing borrower data, collateral documentation, and operational processes to identify potential risks, trends, or control weaknesses that may not be immediately apparent.
• Challenge assumptions and escalating concerns when information appears incomplete, inaccurate, or inconsistent with established expectations.
• Utilize analytical reasoning to connect findings across multiple data sources, documentation sets, and reporting periods to identify potential collateral, operational, or reporting risks.
• Maintain a continuous improvement mindset by identifying opportunities to strengthen controls, improve processes, and enhance the quality of portfolio oversight.

Basic Qualifications

• Bachelor's degree in Finance, Accounting, Business, Economics, or a related field, or equivalent combination of education and relevant work experience.
• 3+ years of experience in lending operations, loan administration, collateral management, banking operations, audit support, financial services, or related fields. Experience reviewing financial data, loan documentation, or collateral records preferred.

Preferred Qualifications

• Familiarity with commercial lending, borrowing base facilities, or credit operations is beneficial.
• Strong organizational and documentation skills.
• Ability to manage multiple priorities and meet deadlines in a fast-paced environment.
• Strong attention to detail and commitment to accuracy.
• Analytical and problem-solving abilities.
• Effective written and verbal communication skills.
• Proficiency in Microsoft Excel and Microsoft Office applications.
• Ability to follow established procedures and controls.
• Strong time management and organizational skills.
• Ability to work independently while collaborating effectively with team members.
• Commitment to maintaining audit-ready documentation and work quality.

Exempt Status: (Yes = not eligible for overtime pay) ( No = eligible for overtime pay)

No

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.

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.