Senior Manager, Hybrid Commercial Payment Underwriting

Huntington Bank; New York (NY); Hybrid; USD 125,000 - 255,000; Full time

Benefits offered by this job

Health insurance

Wellness program

Retirement savings plan

Paid time off (PTO)

Job summary

Huntington Bank in New York is seeking a Senior Manager for Independent Commercial Payment Product Credit Underwriting to lead multiple teams evaluating credit and payment risk across commercial products. You will set priorities, allocate resources, and align decision frameworks with the bank’s risk appetite.

The role partners with Product, Sales, Credit, Risk, Compliance, and Operations to resolve complex underwriting matters affecting exposure, portfolio performance, and customer

Qualifications

• Bachelor’s degree required with extensive experience in commercial credit or underwriting.
• Experience underwriting complex commercial credit or payment exposures.
• Knowledge of card-network requirements and risk controls.
• Advanced degree or professional certification preferred.

Responsibilities

• Lead multiple underwriting teams, set priorities, allocate resources, and ensure consistent decision quality across commercial payment products.
• Oversee complex financial analyses using financial statements, bank statements, tax returns, bureau information, and ownership structures.
• Establish delegated authority for approving, conditioning, or declining higher‑risk or larger‑exposure products (cards, ACH, virtual cards, real‑time payments).
• Direct settlement limits, thresholds, reserves, collateral, and risk‑mitigation terms based on risk profiles and appetite.
• Monitor and enhance underwriting standards for website and digital footprint reviews and comply with card‑network requirements.
• Conduct periodic account reviews, renewals, and requests for exposure‑limit increases with risk oversight.
• Identify and resolve underwriting and operational issues; persuade leaders to act to manage exposure.

Skills

Credit underwriting

Team leadership

Risk assessment

Financial analysis

Stakeholder collaboration

Education

Bachelor’s Degree in a related field

Job description

Huntington Bank in New York is seeking a Senior Manager for Independent Commercial Payment Product Credit Underwriting to lead multiple teams evaluating credit and payment risk across commercial products. You will set priorities, allocate resources, and align decision frameworks with the bank’s risk appetite.

The role partners with Product, Sales, Credit, Risk, Compliance, and Operations to resolve complex underwriting matters affecting exposure, portfolio performance, and customer