Credit Underwriter - Distribution Finance

Credit Underwriter – Distribution Finance

Join to apply for the Credit Underwriter - Distribution Finance role at Huntington Commercial Bank
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Summary: The Credit Underwriter Sr.

- Distribution Finance is responsible for analyzing and monitoring creditworthiness of assigned customers/accounts and recommending and/or approving credit within established guidelines. This includes analyzing financial statements and completing ratio and trend analysis of statements to determine if a customer is eligible for financing.

• Underwrite high‑quality credit narratives in support of new and existing loans. Review and analyze applications, financial statements, balance sheets, D&B reports, etc.
• Spread business financial statements and tax returns using Moody's software to analyze multi‑year trends and ratios.
• Analyze 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 trends and repossession activity.
• Conduct annual financial statement follow‑up to borrowers and track receipt of information by the bank.
• Prepare written recommendation on whether the proposed loan should be approved and provide alternate loan structure recommendations.
• Present to loan committee for approvals and communicate decisions.
• Perform other duties as assigned.

• Bachelor’s degree in Finance, Accounting, Business or related field.
• 3+ years wholesale/commercial credit underwriting experience with prior credit approval authority.

• Master’s Degree.
• Detail‑oriented with ability to analyze cash flow, leverage and gauge customer strength. Prefer experience with deal sizes ranging from $2MM to $10MM.
• Experience lending to a wide variety of industries, loan types, and company sizes.
• Strong written and verbal communication and presentation skills.
• Strong technical skills.
• Demonstrated ability to make sound business judgments while protecting bank interests.

Exempt Status: Yes (not eligible for overtime pay)

Workplace Type: Office. Certain positions outside our branch network may be eligible for flexible work arrangements (in‑office and work‑from‑home). Remote roles may also attend office events. Specific arrangements will be provided by the hiring team.

Compensation Range: $63,000 - $124,000 annual salary. Actual compensation may vary based on location, experience and performance. Eligible for incentive plan. Benefits include health insurance, wellness program, life and disability insurance, retirement savings, paid leave, holidays and PTO.

Huntington will not sponsor applicants for immigration benefits. Applicants must be 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 placement resulting from unsolicited resume. Agencies must have a valid, written, fully executed Master Service Agreement and Statement of Work for consideration.

Mid‑Senior level

Full‑time

Finance and Sales

Banking, Financial Services, Investment Banking