Senior Equipment Finance Portfolio Leader

Huntington Commercial Bank; Tupelo (MS); Hybrid; USD 70,000 - 161,000; Full time

Benefits offered by this job

Health insurance coverage

Wellness program

Life and disability insurance

Retirement savings plan

Paid leave programs

Paid holidays

Paid time off (PTO)

Job summary

Huntington Bank is seeking a Senior Commercial Portfolio Manager - Equipment Finance to analyze creditworthiness and approve loans within guidelines. You will review financial statements, run ratios, and determine financing eligibility, while mentoring junior staff and leading special projects.

The role emphasizes strong communication, industry research, and collateral analysis across various loan structures, with a focus on operational cash flow and risk management.

Qualifications

• Bachelor's degree in accounting, finance, business, or related field.
• 5+ years of experience in commercial credit underwriting

Responsibilities

• Underwrite high quality credit narratives in support of new and existing loans. Review and analyze applications, financials statements, credit reports, etc.
• Spread business and personal financial statements and tax returns using Moody's software to analyze multi-year trends and ratios from financial information.
• Understand cash flow from operations, which includes identifying recurring and non-recurring sources.
• Research industry trends and risks.
• Perform collateral analysis including accounts receivable, inventory, real estate and investments.
• Run credit reports and gather/analyze KYC information.
• Work with other areas to monitor delinquency, delinquency trends and repossession activity.
• Prepare written recommendation as to whether the proposed loan should be approved as presented and provide alternate loan structure recommendations.
• Provide leadership and guidance to less experienced analysts, coach and mentor as appropriate.
• Lead special projects as needed.
• Perform other duties as assigned.

Skills

Credit underwriting

Financial statement analysis

KYC knowledge

Education

Bachelor's degree in accounting, finance, business, or related field

Tools

Microsoft Word

Microsoft Excel

Job description

Huntington Bank is seeking a Senior Commercial Portfolio Manager - Equipment Finance to analyze creditworthiness and approve loans within guidelines. You will review financial statements, run ratios, and determine financing eligibility, while mentoring junior staff and leading special projects.

The role emphasizes strong communication, industry research, and collateral analysis across various loan structures, with a focus on operational cash flow and risk management.