Commercial Portfolio Manager III - Huntington Technology Finance (Underwriter)
About The Position
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.
Requirements
- Bachelor's Degree in Accounting, Finance, or related field.
- 7+ years of experience in commercial credit analysis.
Nice To Haves
- Previous equipment finance underwriting experience.
- Strong interpersonal skills and solid written/verbal communication.
- Ability to prioritize workflow and multi-task in a fast-paced environment.
- Sound judgment and the ability to balance risk management objectives with business considerations.
- CLFP designation.
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 with assigned Relationship Managers, Sales personnel, Credit Officers, Legal, Operations, and other stakeholders to facilitate sound credit decisions while supporting business objectives.
- Provide thoughtful challenge to transaction assumptions and identify emerging risks that may impact credit quality.
- Mentor and provide technical guidance to Credit Analysts, Portfolio Managers, and Senior Portfolio Managers, including review of analyses, coaching, and knowledge sharing.
- Assist management with training, onboarding, and development of less experienced team members.
- Serve as a subject matter expert for underwriting policy, financial analysis, industry research, and credit structuring matters.
- Support special projects, strategic initiatives, portfolio reviews, regulatory examinations, and internal audit requests.
- Identify opportunities to improve underwriting efficiency, consistency, and risk management practices.
- Act as a resource for escalated credit matters and assist management in evaluating complex risk scenarios and exception requests.
- Maintain a high level of awareness regarding economic conditions, industry developments, regulatory changes, and emerging credit risks.
- Performs other duties as assigned.
Benefits
- health insurance coverage
- wellness program
- life and disability insurance
- retirement savings plan
- paid leave programs
- paid holidays
- paid time off (PTO)
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What This Job Offers
Job Type
Full-time
Career Level
Senior
