Description

The Investment Real Estate (IRE) Underwriter IV role is designated for those underwriters with the greatest responsibility for the most complex business loan relationships, and those with the highest credit exposure within the business segment.

• Responsible for the evaluation and underwriting of Regional Banking loans to determine credit worthiness and compliance to Huntington lending policy.
• Reviews and analyzes all customer financial information to ensure sound credit decisions are made.
• Effectively communicates and acts as a liaison to internal partners to resolve business lending issues.
• Completes decisions in a timely manner.
• Maintains knowledge of Huntington lending policies, risk rating requirements and compliance standards.
• Provides coaching and guidance to bankers in the field regarding sound lending practices and managing credit risk.
• Assists with organizing workflow for designated group and coordinates the successful completion of projects as assigned.
• Provides management team with mentorship support for other underwriters or credit analysts within designated group.
• Participates in setting team goals and assists the manager in the work reviews for others within the designated team.
• Periodically may participate in market visits or client calls as necessary.
• Must be capable of working independently on larger, complex credit requests.

Basic Qualifications:

• Bachelor's degree
• Minimum of 5 years' experience analyzing and/or underwriting business/commercial loans for IRE and C&I.

Preferred Qualifications:

• Bachelor's degree in Finance, Accounting or Business
• Experience with IRE including retail, multifamily, office, and warehouse/industrial properties
• Strong portfolio management skills to include:
  • Periodic and timely receipt, analysis, dissemination, and recordation of required financial information;
  • Ongoing assessment of risk factors, not inherent in the financial information;
  • Sensitivity analysis;
  • Timely updating of risk ratings and adjustment to the system of record, as appropriate;
  • Identification of potential problem loans and/or forecast of potential downgrade/upgrade to or from criticized or worse status;
  • Oversight of system integrity;
  • Anticipation of potential borrowing/credit needs, including renewals, restructures, etc.;
  • Evaluation of adequacy of current credit facilities and structure and other credit-related products;
  • Timely identification and escalation of financial deterioration
• Excellent analytical skills along with the ability to write in a concise, logical manner to clearly document transactions risks and mitigants
• Customer service focus and good interpersonal skills are critical to be successful in this position along with a desire to work in a fast-paced environment
• Experience working in financial sales environment
• Microsoft Office Suites (excel, pp, word)

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 is an equal opportunity and affirmative action employer and is committed to providing equal employment opportunities for all regardless of race, color, religion, sex, national origin, age, disability, sexual orientation, veteran status, gender identity and expression, genetic information, or any other basis protected by local, state, or federal law.

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

Agency Statement: Huntington does not accept solicitation from Third Party Recruiters for any position