Senior Manager, Independent Commercial Payment Underwriting

Huntington Bank; Detroit (MI); 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

Paid time off (PTO)

Job summary

Huntington National Bank is seeking a Senior Manager, Independent Commercial Payment Product Credit Underwriting to lead multiple underwriting teams and set risk and decision frameworks for commercial payments. You will align product growth with risk appetite and collaborate with Product, Sales, Credit, Risk, Compliance, and Operations to resolve complex matters.

The role requires extensive experience in commercial credit and underwriting, strong leadership, and the ability to influence senior

Qualifications

• Bachelor's Degree required.
• 10 years of experience in commercial credit or underwriting.
• Experience with merchant acquiring, commercial payments, and portfolio risk management.
• Experience approving or declining higher-risk or large-exposure relationships.
• Knowledge of card-network requirements and commercial payment regulations.
• Advanced degree or professional certification in finance, accounting, credit, payments, or risk management.

Responsibilities

• Lead underwriting teams, setting priorities and expectations across commercial payment products.
• Oversee financial analyses using statements, tax returns, and bureau information.
• Establish decision practices for approvals, conditioning, or declines on high-risk products.
• Direct the structuring of limits, reserves, and other risk-mitigation terms.
• Evaluate business models, sales practices, and payment activity for risk exposure.
• Maintain underwriting standards for website and digital-footprint reviews.
• Conduct periodic reviews, portfolio renewals, and exposure-management actions.
• Identify and resolve complex underwriting and organizational issues.
• Performs other duties as assigned.

Skills

commercial credit

commercial underwriting

merchant acquiring

commercial payments

portfolio risk management

Education

Bachelor's Degree

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

Job description

Huntington National Bank is seeking a Senior Manager, Independent Commercial Payment Product Credit Underwriting to lead multiple underwriting teams and set risk and decision frameworks for commercial payments. You will align product growth with risk appetite and collaborate with Product, Sales, Credit, Risk, Compliance, and Operations to resolve complex matters.

The role requires extensive experience in commercial credit and underwriting, strong leadership, and the ability to influence senior