Sr Commercial Portfolio Manager - Equipment Finance

Huntington Commercial Bank; Charlotte (NC); Hybrid; USD 70,000 - 161,000; Full time

Benefits offered by this job

Health insurance coverage

Wellness program

Life insurance

Disability insurance

Retirement savings plan

Paid leave and PTO

Job summary

Huntington Bank is seeking a Senior Commercial Portfolio Manager - Equipment Finance to analyze creditworthiness and approve credit within guidelines. The role involves underwriting high quality narratives, evaluating financial statements, and performing collateral analysis to determine financing eligibility.

The position requires a Bachelor's degree and 5+ years of commercial credit underwriting experience, with strong communication and customer service orientation.

Qualifications

• Bachelor's degree in accounting, finance, business, or related field.
• 5+ years of experience in commercial credit underwriting.
• Proficiency with MS Word and Excel.
• Strong written and verbal communication skills.
• High level of professionalism and customer service orientation.

Responsibilities

• Underwrite high quality credit narratives for new and existing loans.
• Spread financial statements and tax returns to analyze trends.
• Assess cash flow from operations and identify recurring sources.
• Research industry trends and risks to inform credit decisions.
• Perform collateral analysis including A/R, inventory, real estate, and investments.
• Run credit reports and collect KYC information.
• Monitor delinquency and repossession activity with other teams.
• Provide written recommendations and alternate structures for loan approvals.
• Lead and mentor junior analysts; manage special projects as needed.

Skills

Communication skills

Customer service

Networking

Professionalism

Education

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

Tools

Microsoft Word

Microsoft Excel

Job description

This position is available to be filled at any Huntington Bank Corporate office location.

Senior Commercial Portfolio Manager - Equipment Finance analyzes and monitors credit worthiness of assigned customers/accounts and recommends and/or approves credit within established guidelines. In addition, this role analyzes financial statements and completes ratio and trend analysis to determine customer financing eligibility.

Duties & 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.

Basic Qualifications

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

Preferred Qualifications

• Demonstrated success structuring and underwriting commercial credit
• Proficiency using Microsoft Word and Excel
• Strong written and verbal communication
• Strong customer service orientation
• Established professional network
• High level of professionalism

Exempt Status

Yes = not eligible for overtime pay

Workplace Type

Office

Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Compensation Range

$70,000 - $161,000 Annual Salary. The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO).

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.