Job Description

Description

This position is available in any Huntington Corporate office location.

Summary:

Develops and maintains profitable business banking relationships in PFG within lending limits (larger loans go through commercial lending) including loan renewals. Responsibilities include identifying needs, developing fundamental loan recommendations (including cross-sales), negotiating loan terms, approving/coordinating approval of loans, portfolio risk monitoring, and researching basic business issues. Administers PFG loan portfolio which includes following up on financial statements, exceptions, past due loans, changes in borrower's financial condition, and loan reporting. Administers portfolio in compliance with Credit Policy including timely recognition for watch list, non-accrual, and charge-offs. Works closely with PFG Relationship Managers and other team members to satisfy customer's consumer and commercial loan needs including active participation in all sales of PFG loan products. Works with loans of moderate complexity.

Duties and Responsibilities:

• Manage a portfolio of commercial customers, analyzing financial statements and client performance.
• Mentor and coach analysts, associates, and teammates.
• Build and maintain constructive relationships with various departments.
• Maintain comprehensive knowledge of the assigned portfolio and provide informed decision-making support.
• Value collateral, generate commitment letters, and assist in credit policy interpretation.
• Perform final risk rating analysis and document credit decisions, conditions, and modifications.
• Collaborate with the Credit Analyst for portfolio reviews and prepare credit packages for annual reviews, loan amendments, or modifications.
• Evaluate applicant’s credit needs and financial strength, performing pro forma modeling and interpreting external risk factors.
• Resolve issues, review and negotiate loan documentation, and support underwriting efforts.
• Conduct portfolio reviews with senior management and assist in resolving out-of-balance and default situations.
• Participate in joint calls with relationship managers and attend meetings.
• Analyze and provide guidance on investment and project decisions.
• Ensure compliance with credit policies and regulatory requirements.
• Perform other duties as assigned.

Exempt Status: (Yes = not eligible for overtime pay) ( No = eligible for overtime pay)

Yes

Workplace Type:

Office

Our Approach to Office Workplace Type

Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Huntington will not sponsor applicants for this position for immigration benefits, including but not limited to assisting with obtaining work permission for F-1 students, H-1B professionals, O-1 workers, TN workers, E-3 workers, among other immigration statuses. Applicants must be currently authorized to work in the United States on a full-time basis.

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.

Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.

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