Commercial Portfolio Manager Sr- Equipment Finance
About The Position
This role can be located at any Huntington corporate office. Summary: The Equipment Finance Portfolio Manager Sr analyzes, assesses, and documents the critical components of a credit decision. This role conducts industry and company research, prepares accurate and timely credit approval documentation, and participates in and/or decisions credit approval presentations. The Equipment Finance Portfolio Manager proactively evaluates credit decisions and opportunities to mitigate associated business risks relying on established Huntington policies, procedures and legal and regulatory requirements. In addition, this position owns primary responsibility for underwriting quality and works closely with Equipment Finance Sales Executives and Regional Credit Officers.
Requirements
- Bachelor's Degree
- 5+ years of experience in portfolio or relationship management in commercial banking and/or equipment finance
Nice To Haves
- Has successfully held similar role with a Bank-owed equipment finance organization or like experience
- Demonstrated success structuring, underwriting and decisioning commercial credit
- Sharp analytical and decision-making skills
- Proficiency using Microsoft Word and Excel
- Strong organizational, verbal and written communication skills
- Strong interpersonal skills and solid written/verbal communication
- Strong attention to detail
- Proficiency with Moody’s spreading software
- Ability to prioritize workflow and multi-task in a fast-paced environment
- CLFP designation
Responsibilities
- Responsible for underwriting quality, portfolio administration, and credit quality of assigned portfolio working directly with the Team Leader, Equipment Finance Sales Executives, and Regional Credit Officer
- Utilizes Huntington National Bank’s (HNB) financial spreading software to analyze year end and interim financial statements
- Utilizes the Bank's risk rating model
- Prepares credit approval document
- Assesses the primary risks of the credit extension and the nature of the mitigating factors.
- Accurately and appropriately analyzes financial statements, calculates cash flow coverage, leverage, and other relevant financial ratios; discusses deal-specific cash flow modifications and determines for reasonableness
- Presents underwriting document incorporating financial, business, industry and risk analysis in a concise effective manner
- Manages delinquencies, collateral exceptions, portfolio reviews, specialized reporting, annual reviews, criticized loans, etc
- 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
