Senior Manager, Commercial Payments Underwriting

Huntington Bank; Hoover (AL); On-site; USD 125,000 - 255,000; Full time

Job summary

Huntington National Bank is seeking a Senior Manager, Independent Commercial Payment Product Credit Underwriting to lead multiple underwriting teams and align risk decisions with the bank’s risk appetite. This role oversees credit, settlement, and payment risk across commercial payment products and partners with Product, Sales, Credit, Risk and Compliance.

The successful candidate will develop departmental plans, allocate resources, and maintain decision frameworks to support product growth

Qualifications

• Bachelor’s Degree
• 10 years of relevant experience in commercial credit, commercial underwriting, merchant acquiring, commercial payments, portfolio risk management, or a related financial services discipline.

Responsibilities

• Lead multiple related underwriting teams, setting priorities, allocating resources, establishing performance expectations, and maintaining consistent decision quality across commercial payment products.
• Oversee complex financial and credit analysis involving commercial applications, financial statements, bank statements, tax returns, commercial bureau information, and corporate ownership structures to assess solvency and repayment capacity.
• Establish decision practices and delegated authority for approving, conditioning, or declining higher-risk or larger-exposure commercial payment products, including corporate credit cards, ACH processing, B2B virtual cards, and real-time payments.
• Direct the structuring of settlement limits, transaction thresholds, reserve requirements, rolling reserves, collateral, guarantees, and other risk-mitigation terms based on the customer’s risk profile and the bank’s risk appetite.
• Oversee evaluations of business models, sales practices, fulfillment timelines, payment activity, and other risk indicators to assess potential chargebacks, payment reversals, fraud exposure, and financial loss.
• Maintain underwriting standards for website and digital-footprint reviews, including merchant transparency, security practices, refund and pricing disclosures, and adherence to applicable card-network requirements.
• Direct periodic account reviews, portfolio renewals, and requests for processing or exposure-limit increases, ensuring emerging risks and material changes in financial condition are appropriately evaluated.
• Identify and resolve complex underwriting, operational, and organizational issues, lead improvements to underwriting practices and controls, and persuade business and risk leaders to take action when product growth or customer requests create unacceptable exposure.
• Performs other duties as assigned.

Education

Bachelor’s Degree

Job description

Huntington National Bank is seeking a Senior Manager, Independent Commercial Payment Product Credit Underwriting to lead multiple underwriting teams and align risk decisions with the bank’s risk appetite. This role oversees credit, settlement, and payment risk across commercial payment products and partners with Product, Sales, Credit, Risk and Compliance.

The successful candidate will develop departmental plans, allocate resources, and maintain decision frameworks to support product growth