Senior Commercial Relationship Manager

Huntington National Bank • Charlotte, NC

104d

About The Position

Huntington Bank’s Senior Commercial Relationship Manager will be responsible for building and servicing a sound and profitable portfolio of commercial business relationships and loans, and satisfying and exceeding customer needs and expectations, as well as credit and regulatory requirements, for originating and structuring Commercial loans. Our new colleague will originate, monitor and renew loan relationships consistent with the bank’s policies and procedures and serve as the point person in determining the customer's needs and meeting them through the seamless delivery of the bank’s services, and associated resources targeting businesses with revenue of $100MM and greater, working with the most sophisticated customers and on the most complex deal structures in Charlotte, North Carolina.

Requirements

• Bachelor’s degree in finance, Accounting, Economics or equivalent work experience.
• 8+ years of commercial lending experience in middle market.

Nice To Haves

• Prior experience in negotiating, structuring, and closing complex commercial loan transactions.
• Strong analytical and credit skills.
• A high level of interpersonal and sales skills are necessary to compete effectively, present proposals to clients, and recommend loan transactions to bank senior management.
• Thorough knowledge of various software programs including Word and Excel, and the ability to quickly learn additional systems/software.
• MBA in Finance or Accounting.
• 12+ years of middle market lending experience.
• Thorough knowledge of underwriting guidelines.
• Prior experience underwriting complex commercial credits.
• Legal documentation experience.
• Knowledge of SBA and other similar government guarantee programs.
• Strong analytical, interpersonal and organizational skills.
• Highly developed oral and written communications and presentation skills.

Responsibilities

• Originate, analyze, structure and close profitable loan transactions and stay informed regarding the status of loans in the department.
• Maintain and confirm credit worthiness of customers.
• Gather, review and track appropriate documentation from applicants.
• Make decisions on loans and terms if within own lending limits.
• Participate in the underwriting of loan requests for new and existing customers.
• Conduct due diligence including verifying financial information provided, analyzing financial statements, conducting credit checks, and assuring loan meets all policy and regulatory requirements.
• Serve existing accounts, review quarterly, semi-annual, and annual findings for compliance and credit determination.
• Recognize issues; early problem recognition, remedial management and appropriate coordination with workout is an important part of ongoing portfolio management.
• Engage and provide directions to stakeholders including attorneys, accountants, consultants, appraisers, title companies, and necessary government agencies to ensure successful transactions.
• Provide guidance and directions to bank’s internal support personnel to ensure proper and accurate completion of loan transactions and day-to-day operational requirements.
• Promote and cross-sell other bank products and services as appropriate to customer requirements.
• Keep management fully informed on all key factors of the bank, the portfolio, client relationships, and the competitive environment.

What This Job Offers

• Education Level: Bachelor's degree
• Number of Employees: 5,001-10,000 employees