Commercial Portfolio Manager III - Huntington Technology Finance (Underwriter)

About the role

This position is available to be filled at any Huntington Bank Corporate office location.

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.
• Aid in 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.

Qualifications

• Bachelor's Degree in Accounting, Finance, or related field.
• 7+ years of experience in commercial credit analysis.
• Previous equipment finance underwriting experience preferred.
• 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.