Description

Summary:

The HLC Credit Analyst II is responsible for monitoring and underwriting loan within the Regional Bank Business Loan Portfolio. This role involves critical thinking necessary to provide thoughtful credit recommendations regarding borrowers within the loan portfolio.

Duties and Responsibilities:

• Further development of business credit acumen with independent decision-making skills. 
• Ability to provide recommendations regarding the financial condition of businesses as it relates to debt service, covenant and borrowing base compliance and early warning factors. 
• Ability to underwriter simple credit requests within the SOR and make recommends of approval or decline, as well as being able to explain why the decision was made.
• Review and analyze the most complex, high dollar Financial Statements/Spreads Borrowing Bases, Covenant compliance, and Waiver requests for the monitored loan portfolio. 
• Manage covenant/borrowing base violations as assigned.
• Monitor the Upgrade and Downgrade process for the loan portfolio which includes providing credit commentary. 
• Assist management with the completion of monthly reporting to ensure compliance.
• Successfully assist with coaching and training of peers (HLC Credit Analysts). This will include reviewing peer work related to business and personal financial analysis, process and procedures, credit policy, financial ratios and business writing skills.
• Perform other duties or tasks as needed to support the line of business and job family.

Basic Qualifications:

• Bachelor’s Degree
• 1+ years’ experience with business or commercial banking in a centralized lending environment
• Must have proven experience reviewing and analyzing financial data

Preferred Qualifications:

• Bachelor’s degree in Finance, Accounting, Business Administration or Business/Data Analytics
• Proficient use of Microsoft Office and other internet resources
• Excellence in customer service, highly motivated, focused and goal oriented
• Excellent written and verbal communication skills, including grammar and demeanor
• Strong organizational skills with attention to detail, planning and follow-up
• Ability to work independently on multiple tasks without compromising quality

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

Workplace Type:

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.