Comml Portfolio Manager - Equipment Finance
About The Position
The Equipment Finance Portfolio Manager analyzes, assesses, and documents the critical components of credit decisions. The role conducts industry and company research, prepares accurate and timely credit approval documentation, and participates in or makes credit approval presentations. The Portfolio Manager proactively evaluates credit decisions and opportunities to mitigate business risks in accordance with established Huntington policies, procedures, and legal and regulatory requirements. The position has primary responsibility for underwriting quality and works closely with Equipment Finance Sales Executives and Regional Credit Officers. It can be located in any Huntington corporate location.
Requirements
- Bachelor's degree.
- At least 3 years of experience in portfolio or relationship management in commercial banking and/or equipment finance.
Nice To Haves
- Successfully held a similar role with a bank-owned equipment finance organization or equivalent experience.
- Demonstrated success structuring, underwriting, and decisioning commercial credit.
- Strong analytical and decision-making skills.
- Proficiency with Microsoft Word and Excel.
- Strong organizational, verbal, and written communication skills.
- Strong interpersonal skills.
- Strong attention to detail.
- Proficiency with Moody’s spreading software.
- Ability to prioritize workflow and multitask in a fast-paced environment.
- CLFP designation.
Responsibilities
- Own underwriting quality, portfolio administration, and credit quality for the assigned portfolio, working with the Team Leader, Equipment Finance Sales Executives, and Regional Credit Officer.
- Use Huntington National Bank's financial spreading software to analyze year-end and interim financial statements.
- Use the Bank's risk rating model.
- Prepare credit approval documents.
- Assess the primary risks of credit extensions and the nature of mitigating factors.
- Analyze financial statements; calculate cash flow coverage, leverage, and other relevant financial ratios; discuss deal-specific cash flow modifications; and determine whether they are reasonable.
- Present underwriting documents that concisely and effectively incorporate financial, business, industry, and risk analysis.
- Manage delinquencies, collateral exceptions, portfolio reviews, specialized reporting, annual reviews, and criticized loans.
- Perform 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)
- Eligible to participate in an applicable incentive compensation plan
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
