Credit Underwriter Sr - Inventory Finance

Description This position is available to be filled at any Huntington Bank Corporate office location. Summary The Credit Underwriter Sr. - Inventory Finance is responsible for analyzing and monitoring the credit worthiness of assigned customers/accounts and recommending and/or approving credit within established guidelines, including analysis of financial statements and ratio and trend analysis to determine customer eligibility for financing. Duties and Responsibilities Underwrite high quality credit narratives in support of new and existing loans; review and analyze applications, financial statements, balance sheets, D&B reports, and other documents. Spread business financial statements and tax returns using Moody's software to analyze multi‑year trends and ratios from financial information. Understand cash flow from operations, identifying recurring and non‑recurring sources of cash flow. Research industry trends and risks. Perform collateral analysis including accounts receivable, inventory, real estate and investments. Run credit reports and gather/analyze KYC information. Spread personal financial statements and tax returns for individual guarantors, develop borrower and guarantor global cash flow analysis. Work with other areas to monitor delinquency, delinquency trends and repossession activity. Conduct annual financial statement follow‑up to borrowers and track and monitor the receipt of this information by the Bank. Prepare written recommendations on loan approval and provide alternate loan structure options. Present to loan committee for approvals and communicate decisions. Perform other duties as assigned. Basic Qualifications Bachelor’s degree in Finance, Accounting, Business or related field. 3+ years wholesale/commercial credit underwriting experience. Preferred Qualifications Master’s Degree. Detail oriented with the ability to analyze cash flow, leverage and gauge customer strength. Experience with deal sizes ranging from 2MM to 10MM preferred. Experience in lending to a wide variety of industries, loan types, and sizes of companies preferred. Strong written/verbal communication and presentation skills. Demonstrated ability to make sound business judgments while protecting the interests of the bank. Strong technical skills. Compensation Range $57,000 - $124,000 Annual Salary The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on location, experience, and education. Colleagues are also eligible to participate in an applicable incentive compensation plan. Benefits Huntington provides a variety of benefits, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). Huntington is an Equal Opportunity Employer. Tobacco‑Free Hiring Practice: Visit Huntington's Career Web Site for more details. Exempt Status: Yes (not eligible for overtime pay) Workplace Type: Office Huntington will not sponsor applicants for immigration benefits. Applicants must be currently authorized to work in the United States on a full‑time basis. #J-18808-Ljbffr Huntington Bancshares, Inc.