Financial Recovery Representative II (Default Services)

Description Summary: Financial Recovery Rep IIs (Default Services) will manage a portfolio of substandard Business Banking loans, working with customers, attorneys and liquidators to gently exit borrowers unable to maintain their relationship with HNB. Duties and Responsibilities: Develops a litigation and or liquidation strategy on classified (financial Recovery-managed) loans up to $500M to minimize losses on a Business Banking portfolio. Presents a summary of action plans to resolve the problem loans to FRG senior management specific to exit strategies. Analyzes financial plans, negotiates loan collection or restructuring, and recommends/oversees litigation, liquidation to reduce exposure. Identifying appropriate risk ratings, accrual status and losses, address workout scenarios, communicates data driven results to upper management in a time sensitive environment. Adheres to bank policies and procedures and complies with legal and regulatory requirements. Accountable for risk management, compliance and audit performance for area(s) of responsibility whether a supervisor, manager or individual contributor. Establishes or works with management to develop effective controls and processes to ensure risks are measured, monitored and controlled and compliance requirements. Maintains current knowledge of risk-related changes that may impact assigned area(s) of responsibility. Performs other duties as assigned. Basic Qualifications: HS or GED 3 or more years of experience in commercial/business banking underwriting, lending, credit and/or appraisal required. Preferred Qualifications: Bachelor's Degree in Business, Finance, or Accounting Excellent written and verbal communication skills Strong goal achievement orientation. Strong attention to detail, sense of urgency, and ability and desire to provide Simply the Best Service to our clients are key in this position. Ability to work independently in a deadline driven and goal-oriented team environment. Basic working knowledge of PC applications Knowledge of bankruptcy laws Ability to negotiate settlements, workouts and sale of security while adhering to state and federal regulations Experience with Real Estate Foreclosure process Previous experience with AFS / Velocity / RETS / CARS Strong working knowledge of SBA loans and the associated workout process to ensure compliance with SBA Standard Operating Procedures. Working knowledge of exit strategies including bankruptcy, closed business, legal remedies and liquidation strategies. #LI-RP1 Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes Applications Accepted Through: 07/31/2026 Huntington expects to accept applications through at least the date above, and may continue to accept applications until the position is filled. 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. Compensation Range: $57,000-$113,000 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 various factors including but not limited to location, experience, and education. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, 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. 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. Welcome to Huntington! At Huntington, we look out for people. From reinventing banking with game-changing innovations to building an internal culture that creates lifelong bonds, together, we can make people’s lives better. And amazing things happen when we look out for each other. We prove it every day. Whether it’s helping a colleague or collaborating on a new tool that will revolutionize the way people save money, our actions can have a huge impact. Our colleagues look out for people with a Can-Do Attitude, Service Heart and Forward Thinking. Those are our values—simple but powerful. Each of them pushes us do the right thing, to do right by people. Because people are what matter. If that sounds like you, we hope you’ll apply to join our team. If you’d like to learn more about how Huntington looks out for people, visit We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of this site or if you require a reasonable accommodation to apply for a job or to perform the essential functions of the job, please send an email to View email address on click.appcast.io Reasonable Accommodations Reasonable Accommodations Various methods will be used throughout the recruitment process to verify candidate authenticity. Any interviews conducted virtually must be joined from a distraction-free environment, with the candidate on camera and without the use of virtual backgrounds. EEOC Disclaimer Know Your Rights CA Data Privacy CA Data Privacy Rights Tobacco Disclaimer Tobacco-Free Hiring Practice 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.