Commercial Portfolio Manager Sr - Equipment Finance (Underwriter)

Description

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This role can be located at any Huntington corporate office.

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.

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

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