Senior Manager - Commercial Payment Credit Underwriting

Huntington Bank; Houston (TX); Hybrid; USD 125,000 - 255,000; Full time

Benefits offered by this job

Health insurance

Wellness program

Life and disability insurance

Retirement savings plan

Paid leave programs

Paid holidays

PTO

Job summary

Huntington Bank seeks a Senior Manager, Independent Commercial Payment Product Credit Underwriting to lead multiple underwriting teams and set priorities for evaluating and underwriting credit, settlement, and payment risk across commercial payment products.

The role partners with Product, Sales, Credit, Risk, Compliance, and Operations to resolve complex underwriting matters, influence decisions affecting exposure, portfolio performance, and customer relationships, and develop risk-based

Qualifications

• Bachelor's degree required in finance, accounting, or related field.
• 10 years of relevant experience in commercial credit, underwriting, or risk management.
• Experience underwriting complex commercial credit or payment exposures.

Responsibilities

• Lead multiple underwriting teams, set priorities, and maintain decision quality across commercial payment products.
• Oversee complex financial analysis using financial statements, bank statements, tax returns, and bureau information.
• Establish delegated authority for approving, conditioning, or declining higher-risk products.
• Direct structuring of settlement limits, reserves, and other risk-mitigation terms.
• Oversee evaluations of business models and payment activity to assess risk of loss.
• Maintain underwriting standards for website and digital-footprint reviews.
• Direct periodic account reviews and portfolio renewals to evaluate emerging risks.
• Identify and resolve complex underwriting issues and persuade leadership to act on exposure.
• Performs other duties as assigned.

Skills

Team leadership

Credit risk analysis

Underwriting experience

Regulatory knowledge

Stakeholder management

Financial statement analysis

Decision making

Policy development

Education

Bachelor's Degree

Advanced degree or professional certification in finance, accounting, credit, payments, or risk management

Job description

Huntington Bank seeks a Senior Manager, Independent Commercial Payment Product Credit Underwriting to lead multiple underwriting teams and set priorities for evaluating and underwriting credit, settlement, and payment risk across commercial payment products.

The role partners with Product, Sales, Credit, Risk, Compliance, and Operations to resolve complex underwriting matters, influence decisions affecting exposure, portfolio performance, and customer relationships, and develop risk-based