Commercial Portfolio Manager III - Huntington Technology Finance (Underwriter)

Description

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

The Commercial Portfolio Manager III – Huntington Technology Finance (HTF) serves as a senior-level credit professional responsible for underwriting and managing large, complex credit relationships. This role demonstrates advanced credit expertise, exercises independent judgment in evaluating credit risk, and serves as a trusted resource to peers, relationship managers, and credit leadership. In addition to underwriting responsibilities, the Commercial Portfolio Manager III provides guidance and mentorship to junior team members, assists with process improvement initiatives, and contributes to the overall quality and consistency of credit decisioning across the portfolio while adhering to all regulatory and compliance guidelines. A critical component of this role is early identification of emerging credit problems and industry trends.

Duties and Responsibilities

• Independently underwrite complex large-ticket equipment finance lease / loan facilities.
• Perform comprehensive analysis of borrower financial statements, cash flow generation, leverage, liquidity, collateral coverage, and repayment capacity.
• Assess qualitative and quantitative risk factors, including industry dynamics, competitive positioning, management strength, customer concentration, and operational performance.
• Prepare and present detailed credit recommendations and underwriting memoranda for approval authorities.
• Serve as the primary credit resource for complex, high-exposure, or specialized transactions requiring advanced analytical expertise.
• Evaluate transaction structure, collateral position, guarantor support, and other risk mitigants to ensure alignment with Huntington’s risk appetite.
• Recommend risk ratings and monitor relationships for material changes in financial condition, collateral position, or overall credit profile.
• Partner closely w...