Description

Summary:
The Commercial Relationship Mgr III is 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. Originate, monitor and renew loan relationships consistent with the bank’s policies and procedures. Serves as the point person in determining the customer's needs and meeting them through the seamless delivery of the bank's products, services and associated resources.  Will be assigned a minimum sales goal of $100MM and a minimum portfolio of $60MM in commitments.  Works with the most sophisticated customers and on the  most complex deal structures.  Can mentor more junior Relationship Managers.

Duties & Responsibilities:

• Originate, analyze, structure and close profitable loan transactions. Participate with more senior Relationship Managers on larger loans, 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. Due diligence would include 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 on-going portfolio management.
• Engage and provide direction to stakeholders including attorneys, accountants, consultants, appraisers, title companies, and necessary government agencies to ensure successful transactions.
• Provide guidance and direction 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. Cross-sell banking services including business checking and treasury management products, and refer business or property owners to the branches for consumer deposit and loan products.
• Keep management fully informed on all key factors of the bank, the portfolio, client relationships, and the competitive environment.
• Performs all other duties as assigned.

Basic Qualifications:

• Four-year college degree in Finance/Accounting/Economics or equivalent work experience
• 8 - 12 years of commercial lending experience

Preferred Qualifications:

• 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 client, 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 - 15 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

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

Workplace Type:

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