Commercial Portfolio Manager - Huntington Technology Finance - Portfolio Monitoring
About The Position
The Underwriting Commercial Portfolio Manager – Technology Finance (HTF) performs ongoing credit monitoring duties on assigned portfolio of commercial relationships (comprised of large, complex credit profiles) in accordance with established monitoring requirements, including quarterly, semiannual, and annual reviews. A critical component of the credit monitoring role is early identification of emerging credit problems and industry trends requiring strong analytical, organizational and time-management skills while maintaining a high standard of accuracy and professionalism. Additional responsibilities may include underwriting new credit requests for prospects and existing clients.
Requirements
- Bachelor's Degree preferably in Finance or Accounting.
- 5+ years of related experience in commercial credit analysis and underwriting.
- Applicants must be currently authorized to work in the United States on a full-time basis.
Nice To Haves
- CLFP designation.
- Previous experience with equipment finance underwriting
- Ability to prioritize workflow and multi-task in a fast-paced environment.
- Strong interpersonal skills and solid written/verbal communication.
Responsibilities
- Obtain, review and analyze borrower financial statements, including but not limited to SEC filings (i.e. 10-K, 10-Q), CPA Audited and CPA Reviewed financial statements, business tax returns, compliance certificates, and other financial information to assess ongoing credit quality.
- Prepare financial spreads or coordinate their preparation through designated resources, ensuring accurate and timely completion to support ongoing credit monitoring.
- Monitor key credit metrics, including fixed charge coverage (FCC), leverage, liquidity, and profitability trends, and identify material changes in risk profiles and repayment capacity.
- Maintain an understanding of borrower operations, industry conditions, competitive dynamics, and other external factors affecting credit risk.
- Prepare independent, concise written credit analysis summarizing financial performance, key trends, risk considerations, and recommendations for management review working directly with the Team Leader and Regional Credit Officer.
- Complete risk rating analysis and recommend changes when warranted based on financial performance, industry conditions, or other relevant factors.
- Escalate to Credit management warning indicators, adverse trends, and other factors that may impact a customer’s ability to meet its financial obligations.
- Collaborate with Relationship Managers, Underwriting Portfolio Managers and other internal stakeholders to facilitate timely collection of borrower financial statements, when such information is not publicly available.
- Ensure monitoring activities are completed within established deadlines and regulatory requirements.
- Maintain accurate and complete credit files, ensuring documentation complies with internal policies and procedures.
- Participate in special projects, portfolio reviews, process improvement initiatives, and regulatory examination requests as needed.
- Mentor Credit Analysts.
- 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
Mid Level
