Huntington Commercial Bank
Senior Commercial Portfolio Manager - Equipment Finance
Huntington Commercial Bank, Cleveland, Ohio, us, 44101
Summary
The 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. Description
The 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, financial 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. Qualifications
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 Additional Details
Exempt Status: Yes = not eligible for overtime pay; No = eligible for overtime pay. Workplace Type: Office. Some positions outside our branch network may be eligible for a flexible work arrangement and hybrid in-office/remote options. Specific work arrangements will be provided by the hiring team. Compensation
Compensation Range: $70,000 - $154,000 Annual Salary. The compensation range represents the low and high end of the base compensation range for this position. Actual compensation will vary and may be above or below the range based on location, experience, and performance. Colleagues in this position are eligible to participate in an applicable incentive compensation plan. Huntington provides a variety of benefits, including health insurance, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). Equal Opportunity
Huntington is an Equal Opportunity Employer. Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details. Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from unsolicited resumes. All unsolicited resumes sent to Huntington colleagues will be considered Huntington property. Recruiting agencies must have a valid Master Service Agreement and Statement of Work for consideration.
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The 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. Description
The 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, financial 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. Qualifications
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 Additional Details
Exempt Status: Yes = not eligible for overtime pay; No = eligible for overtime pay. Workplace Type: Office. Some positions outside our branch network may be eligible for a flexible work arrangement and hybrid in-office/remote options. Specific work arrangements will be provided by the hiring team. Compensation
Compensation Range: $70,000 - $154,000 Annual Salary. The compensation range represents the low and high end of the base compensation range for this position. Actual compensation will vary and may be above or below the range based on location, experience, and performance. Colleagues in this position are eligible to participate in an applicable incentive compensation plan. Huntington provides a variety of benefits, including health insurance, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). Equal Opportunity
Huntington is an Equal Opportunity Employer. Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details. Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from unsolicited resumes. All unsolicited resumes sent to Huntington colleagues will be considered Huntington property. Recruiting agencies must have a valid Master Service Agreement and Statement of Work for consideration.
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